BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
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: 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 items 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 ITEMS. 

XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3700.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX and XXXX Called the companies on my credit reports, all said the same thing no record of me and have no knowledge! Contacted XXXX and equivalence to no avail! Sent in paperwork that they are saying they never got! Sent XXXX the same paperwork and my inquiries are gone the ones that are not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX, XXXX Inquiry Date XXXX XXXX, XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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: 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 items 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 ITEMS. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My bank, XXXX, sent back several credit card payments in the XXXX of XX/XX/2023. I had money in my bank account to cover the, but XXXX kept reporting and charging me overdraft fees and sending payments back when there were deposits processing that would of meant my balance was more than high enough to cover the out going ACHs. I tried to have Discover remove the 30 day late from my credit report and they told me no. I submitted disputes through my credit reports, and they were also sent back with no resolution. I've had my Discover card for over XXXX years and have never missed or been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had a few issue with account that I do not recognize on my credit report. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NCA # XXXX I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.

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 2023-08-03
Company: WESTERN ALLIANCE BANCORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/ I received a letter from Western Alliance Bank that they are taking over the servicing of my loan and I must contact them by XX/XX/ to stay enrolled in the ACH monthly payment that we set at the previous mortgage servicer. I was traveling outside of the US at the time. Upon my return to the US, I had received letters that I was late on the loan payments, which I was unaware were transferred to another servicer. I immediately called Western Alliance Bank and the customer service rep assisted me in making a payment and informed me she reinstating my ACH. Two months later I received more letters that my payments are not being received and there is no ACH set up, that the previous service rep processed a one time payment the ACH could not be completed as the one time payments had not been processed and the ACH was not allowed. I now have a 30 day late payment on my credit report. I received nothing from Western that the ACH was not in place, but I was told by the service rep over the phone that it was now actively in place. Again in XXXX I set up the ACH over the phone with the servicer and was told it was set up. Shockingly this happened again a 3rd time on XXXX XXXX that they had not received the previous moth mortgage payment. I now have been charge several XXXX dollars in late fees and have derogatory posting on my credit report from Western Alliance bank. Through the past few moths, I have called several times but my calls get disconnected or stuck in their automated phone system. When I do get through, they assure me they have corrected the matter. It is not corrected to my satisfaction. Their customer experience is terrible and their website interface is not effective in managing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Phoenix Financial Services LLC
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: Account information incorrect

Complaint:
XXXX wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called XXXX and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( XXXX and Phoenix ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Professional Credit Analysts of MN, Inc.
State: UT
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: Was not notified of investigation status or results

Complaint:
I sent over a validation of debt request back on XX/XX/2022 and I have never received in insight back on Account # Professional CR Analys-Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will send copy of tracking and letter requesting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 my wife received a call from a company called XXXX XXXX XXXX, and they said that they are part of the " XXXX XXXX XXXX ''. 

They shared information about a vacation package and assured her many times that the {$1800.00} purchase is fully refundable. They confirmed the refundable element at least 10 times to reassure my wife that if she changes her mind anytime within a year that we would get the full amount refunded. 

She reluctantly gave our Chase credit card information over the phone, then started feeling uneasy about the purchase, so she requested the refund on the call. On that same call, the XXXX XXXX representative assured her that they processed the refund. We assumed that the issue was resolved and that we would not be charged. 

A few weeks later we saw the charge on our Chase credit card so we started the dispute process. Chase reached out to the merchant ( XXXX XXXX XXXX ), who then said the purchase is non-refundable. XXXX XXXX XXXX also provided a policy document that explains the non-refundable detail. We discovered that XXXX XXXX XXXX representative fraudulently signed my wife 's signature on the policy. 

Upon Chase 's request, we provided Chase with a copy of my wife 's driver 's license which includes her signature, to show that the signed policy did not match her legal signature. 

Chase said that the non-refundable policy is in place and that they can not protect us as their customer. That our only option is to hire an attorney to go after XXXX XXXX XXXX. 

Chase knows that it was a fraudulent signature, but says that their own policy doesn't allow them to write off the charge, or protect us as their customer, or pursue any further action with the merchant. 

We have been going through the Chase dispute process for nearly 4 months at this point and they're telling us that we are responsible for the charge and that they will do nothing else to help us. 

The merchant lied to us on the phone saying the charge is refundable, then promised they refunded it which they did not. 

Chase had us go through the dispute process for months, and provide evidence. Then Chase refused to remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021 I requested a credit line increase for my XXXX XXXX XXXX card. The system did a hard inquiry on my credit without my consent. 

If I knew that XXXX XXXX would do a hard inquiry, I would not have requested a credit line increase. I have worked with XXXX and XXXX XXXX for credit line increase. They clearly communicated to me regarding what type of inquiries they will do before they approved my credit line increase request. In case of XXXX XXXX XXXX card, the website asked me to enter an amount for my credit line increase request and when I pressed next button, it automatically did a hard inquiry without my consent. It was a surprise to me and my wife. 

I tried to work with their customer service several times but they were not helpful and said they can not do anything to help me. I am a first time homebuyer and I can not afford to have this hard inquiry on my credit report. I did not consent to this 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 2022-05-03
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, EQUIFAX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; Charge off : XXXX XXXX Balance Owed : {$340.00} ; Collection : XXXXXXXX XXXX XXXX XXXX Balance XXXX : {$90.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CCF Intermediate Holdings LLC
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Ive been getting emails about a payday loan debt from a lawyer claiming there is an active warrant for my arrest.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: LA
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on 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 explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute concerning a student loan that has been discharged by the department of education. I have a letter to prove it as well. I have sent this letter to them multiple times through email and physically mailing and they have yet to resolve this issue. This has been ongoing since XXXX of this year. They re-investigated the dispute and all I keep getting is " updated ''.

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 2020-02-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have 3 accounts with Synchrony Bank, one called " HIGH Yield Savings '' and the bank has locked my account and will not let me withdraw my funds. They haven't sent me statements for over a year. I called to find out why they have this lock. The first agent refused to tell me. She is located in the XXXX. I finally got her to transfer my call to her supervisor, in XXXX. He tells me that when I opened the account through an electronic transfer well over a year ago, I did not have sufficient funds in my account at the XXXX XXXX XXXX XXXX, and they placed a lock on my account. I was never notified of this by either Synchrony Bank nor by the XXXX XXXX XXXX XXXX. I doubt that this happened. In any case, when they did get the funds they did not release the lock. They, at the moment, still have a lock on the account and tell me it will take several weeks to release the lock!

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 2020-02-21
Company: Experian Information Solutions Inc.
State: CO
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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original account was with XXXX XXXX XXXX. I signed a lease with XXXX XXXX XXXX on XXXX. I have attached a copy of the lease agreement. My monthly rent for the term of the lease was {$1000.00} however, the apartment complex was charging me a different amount that equaled MORE each month than the lease agreement. I immediately contacted the leasing office and the representative of the apartment complex assured me that they would revise their accounting to reflect the agreed amount of rent being charged. Unfortunately, they did not honor their commitment and after I had moved out they sent this account to collections. There should be no outstanding balance due. I did not know that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-05-27
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Riverwalk Financial Corporation
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My credit report indicates that I owe {$2300.00} as of XX/XX/2017 to a collector by the name of Deville. 

I am not entirely sure where or how this debt originated from. I do not fully understand what the amount I supposedly owe is from. I need further clarification. To my knowledge I have never received documentation from this company nor any other correspondence of any kind. 

I have tried to contact this company via the phone number provided on my credit report, but have not been successful in speaking with a representative. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX ) Balance XXXX {$3700.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation