BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Ive written at least 4 letters to Credit bureaus disputing inaccuracies yet It did not acknowledge my concerns. Please fine Credit bureaus for negligence and publish this case public.

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 2023-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is not reporting. Resolve it. I don't recall this DATE OF BIRTH being correct. Resolve it. CURRENT ADDRESS is not reporting correctly. I need action to be taken to fix the reported issue. PREVIOUS ADDRESS is not reportng correctly. It needs to be resolved quickly. I don't recall this employee being correct, The date should be 100 pecent correct and complete. ACCOUNTS : XXXX XXXX XXXXXXXX IS INACCURATE IT DOES NOT MATCH 100 PERCENT WITH OTHER BUREAU REPORTS. INVESTIGATE AND DELETE. XXXX XXXX XXXX TRADELINE is INCORRECT. According to ftc says you must investigate. In compliance with 611 of the ( FCRA ), which requires bureaus to investigate. I sincerely appreciate your consideration of this isssue and the careful work you put into settling conflcits like this one. I'm looking forward to hearing from you as soon as possible and seeing this these errors corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: U.S. BANCORP
State: AZ
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:
My credit card payment was due on XX/XX/2020 and not only did I PAY the bill in full from my US Bank checking account electronically online to the credit card on that date, but I received an electronic receipt from US Bank in " messages '' clearly stating that the payment WAS made on XX/XX/2020. My " complaint '' is that US Bank charged me a Late Fee of {$29.00} as well as an Interest Charge Fee of {$34.00} because, they say, I didn't meet some " cutoff time '' on the due date. I have attached a copy of " The Bill '' that clearly shows a due date of XX/XX/2020 ( but does NOT mention any " cutoff time '' ) and I have attached a copy of " The Receipt '' that clearly shows that payment WAS made on XX/XX/2020. I have contacted US Bank both directly and through the XXXX  of MN/ND and they continue to hide behind this AFTER THE FACT cutoff time as an excuse to help themselves to {$63.00} of MY money. This is at the very least ( if not criminal ) unacceptable and just not right!

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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have written to Transunion, XXXX  and XXXX  3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2016 AND PAID. I would request this be DELETED from my credit report as it 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 2022-08-07
Company: EQUIFAX, INC.
State: NJ
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:
CFPB Write up In accordance with the Fair Credit Reporting act 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Within the last five years I have been a victim of ID theft to include mortgages that I didn't know existed and I seek guidance towards resolution with a tracking of property within the states of Nevada, Michigan, and, Arizona, and Tennessee and the XXXX of XXXX XXXX as well as XXXX and XXXX XXXX property with my name and dob and SS number to include only getting one stimulus check realized and three going to the ID thieves. In addition my entire on XXXX  of my name air personality job paychecks were stolen over that time period to include any unauthorized presumptive pay from the XXXX XXXX XXXX, and or XXXX XXXX XXXX and includes mail fraud as well. XXXX XXXX XXXXXXXX XXXX in XXXX NV, a surprise, az address denoting five deeded acres to me legally but with a mansion unauthorized that was built on top of said land acreage.Several properties were bought with my radio show pay only to have ID thieves forge my signature to steal the properties without my knowledge

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: IL
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2022-04-15
Company: GOLDMAN SACHS BANK USA
State: KY
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:
Hi, Reached out to Apple about my apple card not paying off the balance via the XXXX XXXX. It was not working for the entire time I had the balance on the card, and still will not work to this day. My phone records show I reached out to Apple to discuss a way to make the wallet work, but they could not fix the issue. This resulted in 2 late payments. From the apple card app on the phone presented was no other way to pay the card off. This resulted in confusion and lack of a process to escalate the issue. I have followed up with the bank associated with the card and have started twice a process to get the late payments removed from my account and they have not followed up with me on their final decision, nor have they provided any documentation to me.

ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am looking at my credit report and i am seeing hard inquiries that i did not authorize from : XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XXXX XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX I did not give permission for the above companies to pull my credit. 


I also have a balance from an account titled " XXXX XXXX " for XXXX opened on XX/XX/XXXX that i have not authorized. 

There is also an account titled " XXXX XXXX  " for XXXX opened on XXXX XXXX that i did not authorize and have no knowledge about. 

I also have a account under the name XXXX XXXX XXXX XXXX with a XXXX balance that is showing closed on my credit report. I was told this account would be completely removed once paid, it has not been removed.

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 2021-10-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I paid someone XXXX through XXXX XXXX for a service that never was fulfilled. The day of the service I never heard Research the person more and come to find out they are a scam. I called my bank, which is navy federal right away and explained to them the terrible outcome they explained to me they cant give me my money back because it was on XXXX XXXX, and XXXX XXXX is liking giving some cash. I explained to them I was scammed, I never had to deal with something like this before. And they just apologized and kept saying try to get my money back through XXXX XXXX. XXXX XXXX didnt give me my money back because the person I send the money to erased they XXXX XXXX. And XXXX XXXX told me to reach out to my bank they will send me my money back but they didnt. And now Im out of XXXX, and my bank couldnt even help me. I still have navy federal but I barely use them now, they dont help their customers thats in need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CORELOGIC 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:
CREDCO ( Finance ) XX/XX/2021 CREDCO/CREDCO ( Miscellaneous ) XX/XX/2021 XX/XX/2021 CREDCO ( Finance ) XX/XX/2021 These are the same company that credit that pulled my credit in different times with the same company. I am a XXXX they used my information without my knowledge. My score XXXX. It went down under the XXXX. It was a hard pull each time the same company.

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 2020-06-07
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$62.00}.

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 2020-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I submitted an application to Chase.com and was rejected because of 3 delinquent accounts that someone opened and subsequently closed with my social security number and someone else 's name. Chase would not disclose further information because my name did not match the name on the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 Equifax placed a collection account of {$1200.00} by XXXX. XXXX. I reached out to EQUIFAX voicing this was fraud/identity theft. Also, advised this account was placed on my credit report 2 years ago and was deleted and reported as fraud with proof of the info being fraud. I am a victim of Identity theft. I also reached out to the collector and credit bureaus voicing my concern. Now it has been reported again on my credit report. This debt does not belong to me. I DO NOT HAVE ANY KNOWLEDGE OF IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Avant Holding Company, Inc.
State: NJ
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:
As a federally protected consumer, I have been violated by AVANT. I have in good faith made several attempts to contact XXXX XXXX, XXXX XXXX and a representative from Avant Compliance Department to remove inaccurate credit information from my consumer reports. On XX/XX/2022 I sent out my first notice by email and USPS certified mail # XXXX ( attached ). I believe for good reason that my concerns were not sufficiently addressed. On XX/XX/2022 I sent my second notice by email and USPS certified mail # XXXX ( attached ). I believe for good reason that my concerns were sufficiently addressed. On XX/XX/2022 I sent my notice to opt out of AVANT 's privacy policy via email and USPS certified mail # XXXX ( attached ). As of today XX/XX/2022 I have not received a sufficient response to my concerns nor have I received any confirmation that I have been opted out of AVANT 's privacy policy. My biggest concerns is that AVANT never gave me an opportunity to opt out of credit reporting since credit reporting is NOT MANDATORY and I have not yet been opted out of AVANT 's privacy policy after giving notice that I want to opt out. My other concern is that this " account '' is being reported as " charged off '' so why has AVANT not provided me with a XXXX? AVANT has no proof of authority, permissible purpose, or my consent to report this account to my consumer reports ( Exhibit Z attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Colony Brands, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a bill in the mail from a company called XXXX XXXX showing that I have a {$200.00} balance. I see that there was an inquiry with XXXX on XX/XX/XXXX. The statement refers to a purchase made on XX/XX/XXXX. 

I have no idea who this company, and most certainly did not open a line of credit or purchase anything from them. I do not see a line of credit that was opened, but I have this statement telling me that a payment is due no later than XX/XX/XXXX. 

I've put a freeze on my credit report with XXXX, XXXX, and XXXX, but worry that whatever was done here was already done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: ID Analytics, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It XXXX Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
XXXX XXXX | XXXX Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

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 2022-03-04
Company: EQUIFAX, 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:
I mailed a letter to XXXX on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX Reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. 
Send me a copy of my credit report once you have done my request. 
My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept XXXX stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This has been an ongoing struggle with Flagship Credit Acceptance for a long time to get this straightened out and interest etc has been piling up while attempting to resolve several issues that I am having and have had with this company. I have made several attempts to talk with an accounts manager but have been given the run around ever single time!!!! I ask them to review recordings of past conversations but they somehow are not to be found or no record of the conversation. This company refuses to correct their mistakes and I bear the punishment via interest, fees, etc.

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