BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-06
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Somehow My father accidentally added me as an authorized user on his credit card at  Home Depot.  I was never and have never been involved with his  Homedepot  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the    XXXX   XXXX   d own into the    XXXX   XXXX   a nd has affected my ability to get an addiquit house loan. Homedepot removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a Homedepot and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting he r credit score. It jus t does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem. Home  Depot  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all

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 2023-11-22
Company: DISCOVER BANK
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone fraudulently used my personal information on XX/XX/2015, to open a fraudulent account with Discover Card. They also attempted to file a bankruptcy petition fraudulently to cover up their fraudulent actions. When I discovered the identity fraud I wrote Discover Card and called them to report the fraud. They refused to provide me a copy of the fraudulent application. Discover further stated since the information on the application matched my information they were refusing my fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
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 noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 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 2023-01-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello I have disputed the following accounts for inaccurate information being reported and Must be removed immediately for violating my consumer rights. I submitted a formal complaint to XXXX, Experian, XXXX. XX/XX/2022. All XXXX credit bureaus are showing different date last activity and payment dates. Please provide the proof of the investigation since you all verified this accurate. But it cant be if all are reporting different information. 

XXXX  # XXXX I have not ever been late on this account. Update the late payments reported. 

Further more creditors can only report information to the credit reporting agencies that is accurate and they have failed under the guidelines of FCRA.

15 U.S. 1681s 2 ( A ) ( 1 )

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 2017-05-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX    CFPB : RESPA  Section 6 -  Please have JPMChase refund to me its erroneou s  XX/XX/XXXX   {$5.00} Late Charge on my ARM Loan and notify Credit Bureaus of Error.     Truly,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , IL  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Since XX/XX/2022, the account has been disputed with XXXX XXXX multiple times. XXXX refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
I recently found a billing issue when I reviewed my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of disputed accounts that need to be fixed or corrected appears below. Please do so in order to report accurate and helpful information : 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 explanation
Consumer complaint received 2023-09-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I set up a business bank account to transfer funds to my Synchrony Bank personal account. Evidently this is not allowed but I was not told that is was not permitted. Synchrony deposited two small amounts to verify the account and the account was accepted by Synchrony. I then tried to transfer {$50000.00} to my synchrony account from my XXXX XXXX account. The transfer was not allowed but the {$50000.00} was removed from my XXXX XXXX account but not placed in my Synchrony account. I don't know where it went but in about two weeks, the {$50000.00} was replaced in my XXXX XXXX account. 

The problem is that Synchrony Bank now has my savings account on restriction and will not let me access the funds ( XXXX ). I have called every week for four weeks and been told that the issue has been expedited but as of this morning, the account is still on restriction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX we received a letter for Chase stating that we had applied for an Amazon.com Visa Signature card. We had not. We called Chase and they blamed us by stating that we 'clicked a button ' at Amazon that initiated the request. They told us that they would close the request.
Last week we received another letter from Chase that has exactly the same information. Today I pulled my credit report and am shocked to see that Chase has continually been running credit inquiries. These inquiries have brought my credit score down. The inquiries from Chase, which I did not initiate, were on these dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with Amazon and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a Chase Credit Card from Amazon. Thus this is a repeated fraudulent request. Can you assist with resolving this so that my Credit History is fixed and does n't continue to drop?
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 and XX/XX/2023 I received XXXX hard inquiries that I did not authorize. The companies below are reporting to my credit fraudulently. I was abroad during this timeframe and did not apply for auto loans. Please delete all inquiries from the companies listed with corresponding dates. 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 U.S. POSTAL SVC 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 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 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 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 2023-11-22
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
The credit card was opened fraudulently by unknown parties who also opened fraudulent bank accounts and other credit card accounts using my personal information and redirected my mail to another address or stole the mail from my box which was a far distance from my house. XXXX XXXX  refuses to accept these facts and continues to claim I owed them money and failed to pay.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
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:
Submitted dispute letter to XXXX, Experian, and XXXX using CFPB requesting bankruptcy be removed from credit report as credit bureau did not receive written consent from myself of the originator, US Bankruptcy Court, XXXX XXXX, XXXX, LA. XXXX stated the bankruptcy was verified by XXXX, who is not the originator of the information. XXXX is not the originator of the bankruptcy, it is the storage repository. Multiple attempts have been made requesting XXXX to remove the information. 

IAW the Privacy Act of 1974, XXXX XXXX must have written permission to provide any information concerning an individual to any third party. XXXX wrongfully reported the information without any consent or verification from myself or the Court of Record.

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 2022-03-25
Company: Experian Information Solutions Inc.
State: AL
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:
These addresses below are outdated! XXXX XXXX XXXX, XXXX, AL XXXX. 
I have asked the credit bureaus to remove the address from my personal info and they refuse to update my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, 2017 There were two ATM transactions that were not authorized on my checking account for the amount totalling {$600.00} by someone other than myself. These transactions caused my Checking account to be overdrawn and I was charged {$70.00} in fees. The problem that I am having with this is the simple fact that at the time of the two ATM transactions I only had {$57.00} in my Checking account. The question that I posed to the Bank ( bank of America ) is why did they allow the atm transaction to take place. I did not have enough to cover a {$600.00} transaction let alone 2 transactions. I filed a claim with Bank of America immediately. They initially credited my account along with the overdraft fee while they investigated the claim. After their investigation, to my confusion, they determined that the withdrawal posted correctly. This, in fact, is why I am reaching out to your agency to get help in preventing them from reversing the claim on my account and making others aware of this type of unfair business banking practice especially to an elderly man like myself who lives on a fixed income. I can not afford this! Please Help!

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 2023-10-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Please delete this fraudulent account and inquiry from my credit report. I have included the identity theft report. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
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: Investigation took more than 30 days

Complaint:
Since XX/XX/2022, the account has been disputed with XXXX XXXX multiple times. XXXX refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.

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 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I RENTED A CAR AND WAS XX/XX/2020 AND WAS NOTIFED/INFORMED THAT MY CAPITAL ONR MASTER CARD DOES COVER COLLISION DAMAGE TO MYRENTED VEHECILE. UNFORTUNATELY I HAD AN ISSUE OF WHICH I PROCEEDED TO FILE A CLAIM WITH MASTER CARD / CAPITAL ONE CARD VERIFIED CLAIM AS SUPORTED BT COPIES OF EMAILS FURNISHED TO THIS COMPLAINT SINCE XXXX OF 2020 IT SEEMS AS I HAVE BEEN GETTING THE RUN AROUND BY MASTER CARD AS TO THE TRUE STATUS TO SAID CLIAM XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Mr. Cooper Group Inc.
State: CA
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:
To whom it may concern, In accordance to the fair credit reporting act my right have been violated 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2. A consumer reporting agency can not furnish an account without my written consent 15 USC 1666B. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose I am requesting all late payments to be removed from my credit reports but especially late payment that is on my credit report regarding a late mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We keep getting repeated daily phone calls from a  Penn Credit Corp   XXXX . We DO N'T OWE anyone any outstanding debts period. We are both  XXXX  senior citizens, and as I said, we owe nothing to anyone period. How do we get these morons to STOP calling our home? If they are looking for a relative i.e. our daughter, who no longer lives with us has been gone from our residence for over  XXXX  years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the company allied interstate keeps calling me repeatedly

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