BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-06
Company: SYNCHRONY FINANCIAL
State: NV
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 have noticed that SYNCB have placed an inquiry on my XXXX  credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both SYNCB and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false  pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a formal complaint that TransUnion is reporting inaccurate and incomplete credit information. 

I would like to state that TransUnion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer NEVER gave XXXX written consent to report anything on my consumer report. No consent is identity theft. 
I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing TransUnion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If TransUnion wants to continue to business with me, they should delete these inaccuracies off my consumer report. 


I demand that the following account removed immediately : XXXX. The following account is not XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 




Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your investigation. 







Thank You, 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 2022-01-03
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I looked at my credit report and i seen all the credit bureaus reporting a bankruptcy on my credit profile. Lexisnexis is reporting the Bankruptcy as of XX/XX/2017 on my profile. They reported negative and defaming information beginning XX/XX/2017 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. The courts do not report bankruptcy so why are you furnishing this information to hurt my credit score. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX they can not access my credit file. My full name XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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 have tried contacting XXXX, XXXX, and equifax various times within the past year challenging the 100 % accurate reporting of this charged off account being reported on my credit report ... each time they say that it is verified as accurate ... .how so? they are violating my consumer rights high credits do not match per bureau XXXX is reporting {$3900.00} XXXX is reporting {$3900.00} equifax is reporting {$3500.00} dates of last active do not match per bureau XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX dates of last payment do not match per bureau XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX and if you look at the 2 year payment history they are reporting XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MO
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 ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$2500.00}

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 2023-05-13
Company: Experian Information Solutions Inc.
State: IN
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 writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2021-02-11
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX my vehicle was involved in a hit and run accident resulting in total loss. Reported this information to my insurance company on the same day. XX/XX/XXXX transferred ownership of vehicle to my insurance company through electronic signing of documents. When contacting my lender about the incident they reassured me that I do have gap insurance and will be taken care of once they receive the majority amount of payment from my insurance company. The payment went through between XX/XX/XXXX to XX/XX/XXXX to the lender. Gap insurance was never applied to my account. Was never contacted by my lender about outstanding payments. When checking my credit report I had found out my gap insurance was never applied. Called my lender to question them and was notified that I had been given gap insurance through a 3rd party company that I have no records of from the date that I signed up for the auto loan. Disputed this by paying off the entirety of the loan but still have late payments on my credit report. Disputed this again by explaining my situation of being detoured from knowing I had to speak with a 3rd party from the day the car was at total loss by my lender and not being contacted when payments went outstanding. They modified my credit report from closed account XX/XX/XXXX to paid XX/XX/XXXX and closed XX/XX/XXXX, but still keeping my payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Marriott Bonvoy Credit Card which I have had for over 20 years. I am supposed to receive Free Night Award ( FNA ) on my anniversary each year. I am also a Platinum Lifetime Member of Marriott. I never received my certificate in my email. I originally called Marriott who then told me to call Chase. I called Chase who said they were also not responsible and told me to call back Marriott. I called back Marriott and were told again to contact Chase. I asked to speak with a supervisor at Marriott but was told they were not able to do that. I called Chase again and was told it is a Marriott issue. After being on hold for 17 minutes, I was either hung up on or disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: NY
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Credit Control, LLC
State: CA
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:
I received an invoice indicating that I owed {$6200.00} to XXXX XXXX  Acct number ending in XXXX on an acocunt between XX/XX/XXXX and today. I received this notice in the XXXX mail on XX/XX/XXXX. I have never borrowed from XXXX XXXX  or XXXX XXXX XXXX, the other creditor listed on their website. I believe this invoice/bill to be bogus and an attempt to scam a senior citizen. Until today, I have never received any form of communication from this company. I will contact them tomorrow but I can confirm I have never heard of this company and have never borrowed any money from the creditors they represent. This debt is not legitimate. This debit is not and has never been listed on any of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Tuesday XX/XX/XXXX, around XXXX XXXX, I received a phone call from theIRS, who were apparently NOT the IRS, but scammers. In the ensuing 3 hours, thru a series of {$500.00} XXXX play cards, the scammers had defrauded me to the tune of XXXX. 
When I realized what had happened, I IMMEDIATELY called both XXXXXXXX XXXX ( credit cards ) and Wells Fargo ( checking account and credit card ). XXXX immediately reversed the charges, but Wells Fargo, though they took my report, did not reverse the charges, allowing what were pending transactions that same day to posted transactions the next days. I had notified Wells Fargo 30 minutes after the scam was done. I talked to rep on the phone ( claim # XXXX ) They told me they had frozen the accounts, but in fact, sat on their hands the whole day, tho I had reported it 30 minutes after I realized it was a fraud. 
In contrast, XXXX immediately that day put a stop to the charges. I even went into a local branch of wells fargo and saw the pending status of the charges, tho I had reported it immediately after the fact, hours before. 
My complaint is that Wells Fargo sat on their hands the whole day, allowing the items to post, rather than immediately putting a stop to the charges and contacting XXXX about the fraud. So, in addition to the scam, I have to deal with Wells Fargo putting it into their fraud and complaint dept, rather than dealing with it as soon as I reported it.

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: 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:
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.

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 explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
excessive overdraft upcharged fees throughout the year with Regions bank

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 monetary relief
Consumer complaint received 2021-02-06
Company: CITIBANK, N.A.
State: NY
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:
I Have a best buy store visa credit card, I purchase two XXXX television for a sum total of {$1500.00} each television was {$690.00} plus tax .When after seven days one of the television units stop working. I return the television unit seven days later and purchase a new television, however the new television that was purchase is not reflecting on my credit card statement and the difference is not being reflected either, the purpose for me writing this is because i tried contacting the store they state returns take up to thirty days, we are probably on day forty now and i would like my refund. The best buy in which this event took place was the best buy in XXXX  XXXX New York.

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 2023-04-29
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a US citizen who is a customer with Chime/XXXX  XXXX In early XXXX of this year I was visting XXXX, XXXX and had some unauthorized charges made on my debit card. I have reason to believe I was XXXX, and my card was charged 3 times. There is a span of about 2-3 hours that I do not remember, and I woke up on the train confused and disoriented. 

XX/XX/XXXX, XXXXXXXX XXXX {$320.00} - XXXX  ( Restaurant ) XX/XX/XXXX, XXXX XXXX  {$1700.00} - XXXX  ( Restaurant ) XX/XX/XXXX, XXXX XXXX  {$560.00} - XXXX  ( Restaurant ) My first concern is that the transactions were not halted despite the fact that they were being made outside of my home country and for such a large amount. 

Secondly, I attempted to report the transactions as fradulent, but could not do so until they cleared. Once they cleared I was able to file a dispute with Chime through their app on XX/XX/XXXX. 

By the time I received the response from Chime about my disputes, I had gone to the XXXX. On XX/XX/XXXX I was notified that Chime had denied my disputes. I immediately requested the denial reason and documentation. I was told it could take up to 10 business days for me to receive the requested documents. 10 business days came to pass and I did not receive any correspondence from Chime. 

On XX/XX/XXXX I sent them an email stating that I had not received the documents and that I would be filing a complaint with CFPB and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: IL
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:
My credit continues to be negatively impacted by this account and inaccurate credit reporting since XX/XX/2022. This account has been reported as a charged-off account continuously with no credit to the monthly payments being made. My issues began with this account after the initial XXXX occurred on XX/XX/2022, in which I was given XXXX days ( XX/XX/XXXX ) to pay the amount of {$2300.00}. The payment also included my next monthly payment. After the payment was successfully made on Friday, XX/XX/2022, the vehicle was returned to me. Subsequently, XXXX additional monthly payments were made and both were posted to my bank account on XX/XX/XXXX and then XX/XX/XXXX. There are also attached screenshots of those payments posted to my bank account as proof but never corrected on my credit reports after recovery. My credit report does not reflect any of these payments made since XXXX and still shows the account as a charge-off prior to being seized again today with no explanation. This is a clear violation of the FCRA and continues to negatively impact my credit as time passes.

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