BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: PA
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX  XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2019-11-07
Company: Experian Information Solutions Inc.
State: PA
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 on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from XXXX or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries

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 2022-03-07
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: Their investigation did not fix an error on your report

Complaint:
I reach out to the credit bureaus XX/XX/2021 letting them know i was a victim of identity theft i sent a identity theft report along with a police report naming the accounts that were fraudulent. Under FCRA 15 U.S. Code 1681c2 ( a ) this information should've have been blocked from my report which it never was and after i disputed this account. I received correspondence that this account was verified which is false this account has not been properly verified and according to 15 U.S. Code 1681i ( 5 ) ( i ) this account should have been removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: ENCORE CAPITAL GROUP 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:
COMPANY MIDLAND CREDIT MANAGEMXXXX XXXX  IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM MIDLAND CREDIT MANAGEM/XXXX  BANK, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

MIDLAND CREDIT MANAGEM/XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION.

-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF MIDLAND CREDIT MANAGEMXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: SYNCHRONY FINANCIAL
State: TX
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:
On XXXX the XXXX 2022, I was unaware of a credit check from SYNCB that resulted from a hard inquiry. I purchased an item through the agency XXXX XXXX XXXX. As I purchased the item with the cashier they signed me up for me to take out a card and I agreed, I later declined and the cashier told me that she canceled my transaction. At the time I did not worry about it since I thought this will not affect me. I later then find out through XXXX XXXX  that XXXX shows I have a hard inquiry and this could impact my credit. I immediately call XXXX XXXX XXXX to get this disputed and they can't seem to find any information under my name or by social security number, and they say I am not even a customer as if I do not exist. At this moment I would like to file a complaint for inaccurate information on my credit report towards SYNCB. 


Thank you for your time and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: VA
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:
Equifax demands FTC be filed which I did 3 times and provided to them. I contacted XXXX bank and they provided a letter as well. 

Then Ewuifax tried to state they didnt know me, so I had to submit w2,1099, a 7th copy of drivers liscence, and letter for the 4th time from XXXX Bank XXXX 

XXXX is an unauthorized inquiry. Equifax refuses to delete from my credit report and harressing me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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:
My information was leaked in the Equifax, XXXX XXXX breach and my information was used to open up fraudulent accounts & inquiries. I am a victim of identify theft, I am in distress, I have suffered tremendous pain due to negligence of all 3 bureaus along with XXXXl XXXX leaking out my personal information causing losses in many ways. I am allowing 3 business days of an internal dispute. I am seeking {$10000.00} for all the damages caused by your companies. I have filed a litigation, contacted the FTC, and many more to assure. The Fraudulent accounts/amounts : 1. Dept Of Education 2. XXXX, 3. XXXX XXXX XXXX,4. XXXX XXXX  XXXX {$25000.00}, 5.  XXXX XXXX XXXX {$12000.00}, 6. XXXX XXXX  {$12000.00}, 7. XXXX   XXXX {$340.00} The fraudulent inquiries : 1. XXXX XXXX, 2.  XXXX, 3. XXXX XXXX, 4. XXXX, 5. XXXX XXXX, 6. XXXX XXXX XXXX, 7. XXXX XXXX, 8. XXXX XXXX  XXXX, 9. XXXX, 10. XXXX XXXX, 11.  XXXX XXXX, 12. XXXX XXXX, 13. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: TX
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:
There is seven hard inquiries on my credit report. I have send in certified letters for removal over 45 days ago XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
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:
In XX/XX/2019 it came to my attention that my personal information was leaked in the Equifax, XXXX XXXX Breaches. I am a victim of identity theft. This message is in regards to the damage of my credit and several certified letters that was sent over to Equifax, XXXX & XXXX. I have notified FTC and filed a complaint upon your company. I am sending this final message to make you aware of my actions on my litigation process upon a response with 3 business days of receiving this message and after my internal dispute on the fraudulent accounts and inquiries listed below. I am seeking {$10000.00} in damage due to my personal information being leaked by your companies in compromise causing fraudulent actions on my credit which is causing me all of sorts of distress, problems, and everything negative you can think of. Debt must be ratified with an actual original signature instrument including a wet signature which these accounts are 1. Fraudulent 2. Erroneous 3. Violated several FCRAs in sections 609, 623, 611, 612, 614, 619, and also violated the FDCPA. 

XXXX, Equifax, XXXX  Fraudulent Accounts : All XXXX XXXX XXXX & All XXXX  XXXX XXXX, Fraudulent Inquiries : Equifax XXXX, Us Dept of Education

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a letter from Barclay 's Bank on XX/XX/2022 telling me that my Gap credit card ( Newly sponsored by Barclay 's Bank ) was reporting 90 days past due and that my account was now closed and a balance was still due. 

I called immediately and was told that the amount due was interest and late charges because of that interest that was not paid. 
I paid the amount that was requested of me promptly and inquired as to how there could be a balance given that I had paid my balance in full about 3-4 months ago and had not since used the card.

The person on the phone told me that although I had paid my balance in full, interest charges had posted at a later date because I had paid in full prior to the due date.

I told the agent that I was never informed of a new balance and was told that it may be due to Gap being newly sponsored by Barclay 's Bank and I may not have recognized a billing from them. 

I explained that this did not seem fair and that my credit profile and scores would now be unfairly affected. 
I was directed to speak to a supervisor. 

I called on two occasions to discuss this with two supervisors. 
Both said they could not do anything for me and both told me to contact the FCRA. 

I understand that the FCRA is the Fair Credit Reporting Act and is not an agency. 

I don't feel it is fair to affect a persons credibility ( credit profile ) when there is no intention of non-payment as well as poor communication from the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
XX/XX/2021, {$9700.00} was supposedly sent to XXXX credit card ending in XXXX. The balance was less than that but Marcus would not accept the other credit card so I added it to this and XXXX said once they received the funds I could do a balance transfer. 

The funds have not been received by XXXX now I have 2 credit cards that are ruining my credit that should have been paid. 

I contacted Marcus by Goldman Sac XXXX and was continuously told that it cleared on their end and to contact XXXX. XXXX states they have not received it and wants a paper copy of transaction sent to a fax number or their mailing address which they provided. Marcus rep XXXX, myself and XXXX have been on three way calls and nothing can be done without this confirmation. 

XXXX was the processer that Marcus used and is not cooperating with Marcus, XXXX or myself with supplying this information, What should have been a great move has turned my credit score from XXXX to XXXX in two months and I still do not have the funds. 14 more days and it will be 90 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I attempted to make a purchase of {$1900.00} on XX/XX/22 at about XXXX for an airplane ticket for my husband. I immediately received a text message from the credit card company asking me if I had attempted to make the purchase. I said yes by texting # 1 but the credit card company declined the purchase. I called the credit card company, they informed me I was free to use my credit card now, since they wanted to make sure I was the one using the credit card, and not someone else. So then I found a better offer and bought a different airplane ticket. My husband flew out on XX/XX/22 to XXXX with the different airplane ticket I purchased and I was surprised to receive a bill for the amount of {$1900.00} that the credit card had declined. 

I called the credit card immediately to tell them that I was wrongly charged and they initiated a dispute with XXXX, the company I had attempted to buy the {$1900.00} airplane ticket. The credit card company made it a dispute between kiwi.com and I, but I made it clear from the beginning that this is an error from the credit card company. The credit card company declined the purchase and after I understood it was declined, the credit card company authorized the purchase without my authorization, of something that I no longer needed and that was never used by my husband or I.

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 2021-10-20
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, On my way to work I stopped to get gas. In doing this I opened my account at about XXXX hours XXXX. I noticed that there was a newly opened checking account that I did not approve or have knowledge of. At XXXX hours, I called Wells Fargo banking and spoke to a " banker ''. I explained the issue and she seemed diconcered with the idea that I thought there was fraud. I asked her how this could have happened and she stated that anyone can just open an account online. I found that strange and asked what they would need for that and she said my name and address. I asked her what address was on the account and she in turn asked me what my address was. I gave her my address and she said OK. I asked her to close this account out and I wanted to ensure that my money that I had in the bank was safe. She assured me that the money inside my account would be safe and that they would transfer this out to the " fraud Department '' who would contact me and that the account would be closed out, that it could take up to 48 hours however it was locked. On XX/XX/2021 I found the account was still active and I was still getting alerts on the account for the balance. I then found that there was a second address that was attached to my account. A address that I don't live at and have not associated with for over 9 years. This address was never placed in my name or have any sort of mail or bill delivered to this address. It was a friends address that I stayed with for a month or so prior to him moving out of state. I contacted my mother who is a retired Vice President of Compliance of a banking institute and currently works as a complaint officer. She explained how serious this matter can be. I am at a loss of why Wells Fargo has not taken more action and why there were indifferent yet sure that my money in the bank with attached accounts was safe. I also wonder why after 5 days of brining this to their attention the account is still open and accessible. I have pulled all credit scores and am investigating further however I don't understand how they have let it get this far and not done anything. With their track record I was not sure if this was one of their scams to increase " open accounts ''.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX Credit Card ending in # XXXX. 

Inadvertently deleted from being reported to ALL credit bureaus, TRANSUNION, XXXX & XXXX contacted XXXX  XXXX several weeks ago and they REQUESTED account to be REINSERTED to ALL.the bureaus As of XX/XX/XXXX,. it is still NOT BEING REPORTED as advised to my credit reports social security # ending last four digits 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 2023-04-06
Company: Experian Information Solutions 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:
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 XXXXXXXX, Account name : # XXXX XXXX ( Finance ), Account name : # XXXXXXXX XXXX XXXX Account name : # XXXX XXXX XXXX  ( Bank ) Account name : # XXXX XXXX XXXX ( Bank ), 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 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 2021-04-16
Company: EQUIFAX, INC.
State: FL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX or XXXX XXXX continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because XXXX XXXX or XXXX XXXX failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and XXXX XXXX or XXXX XXXX didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted XXXX XXXX or XXXX XXXX and they told me theres nothing they can do to fix the issue. I spoke with XXXX at XXXX XXXX or XXXX XXXX on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.

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 2023-04-06
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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