BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This information is incorrect in my report. REMOVE THIS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2023-05-07
Company: EQUIFAX, INC.
State: CA
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: SC
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-13
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2018, I received a letter in the mail from Synchrony Bank, Creditor, XXXX XXXX XXXX, XXXX, FL XXXX. When I opened it up I seen that it was a denial for a Walmart credit card that I never applied for. Wondering if someone had stolen my identity I nervously checked XXXX to see where and when this happened and there was nothing there! The reason for the denial was based on XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX and phone number XXXX. 

The reasons for the denial were : Insufficient Installment Payment History Date of Issuance of applicant 's ssn does not match date of ssn of peers Invalid phone number of applicant Time since most recent revolving account established is too short While looking online on XXXX XXXX I found that this company has been mentioned many times doing things like this to many others and this is where your name came up to file a complaint about this company. I have never filled out an application for a Walmart Credit card and my credit is good. I believe this company to be scamming Americans and wish that you would investigate them. Thank you.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THE ADDRESS BEING REPORTED IS INCORRECT. My correct address is : XXXX XXXX XXXX XXXX XXXX, NY 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 2023-03-17
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been found on my credit report. I have identified several issues with the information that has been reported and I am requesting your assistance in correcting these errors. 

Firstly, there are several unauthorized inquiries on my credit report. These inquiries from XXXX XXXX and XXXX XXXX were not authorized by me and I suspect they may be fraudulent. I am requesting that these inquiries be removed from my credit report immediately. 

Additionally, there are several inquiries that I do not recall authorizing. These inquiries from XXXX XXXX XXXX  XXXX and XXXX XXXX, XXXX  are unfamiliar to me and I request that they be removed from my credit report. 

Furthermore, there are several accounts on my credit report that have questionable information associated with them. The account with XXXX  XXXX XXXX with the account number XXXX and XXXX, as well as the account with XXXX  XXXX XXXX with the account number XXXX, all have questionable names and numbers. I am requesting that either the information be clarified or the accounts be deleted from my credit report. 

In addition, the account with XXXX XXXX with the account number XXXX has a payment history despite being listed as a charge off. This is inaccurate information and I am requesting that this account be removed from my credit report. 

Lastly, the account with XXXX with the account number XXXX and the account with XXXX  XXXX with the account number XXXX both have incorrect information associated with them. I do not recall ever being late with my payments and I request that this inaccurate information be removed from my credit report immediately. 

I appreciate your attention to this matter and I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Attached : Exhibit 1 : Paid off lien with XXXX XXXX XXXX on XXXX/XXXX/2022. The account was considered settled in full and closed by XXXX. 

Exhibit 2 : Received letter dated XX/XX/XXXX22 from Ford stating that the security interest for the XXXX has been satisfied. 

Exhibit 3 : Tried several times, first with XXXX and then the XXXX  XXXX to apply for a title only to find out I needed to get electronic lien release from Ford credit. Contacted Ford credit 4 times since XX/XX/XXXX22 with no resolution. In fact, the customer service department had no clue or interest in trying to resolve this situation. They didnt know anything about their own letter releasing security interest nor would the let me email them a copy. Im very frustrated with Ford as I have 2 more autos which are Fords. Always believed in buying American, but may reconsider.

Exhibit 4 : Ford Credit and XXXX XXXX XXXX Information Customer service phone # 's account # 's, and Vin #.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.

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 2021-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called Experian in XX/XX/2021, I filed an online complaint in XX/XX/2021 and I called Experian in XX/XX/XXXXregarding a negative credit report from XXXX XXXX XXXX XXXX. I filed a complaint and nothing was done by experian. I called Experian, in XX/XX/2021 and today, XX/XX/XXXX, nothing has been done, no contact form experian.

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 2019-08-05
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently called to cancel my XXXX XXXX card because I received notification of an annual fee. The bill I received prompting the call had a balance of roughly {$110.00}, to which I attributed late fees. 

I placed over 4 hours, wish I was exaggerating, between transfers one hang up to get resolution. The weekend of XXXX XXXX I spoke with a representative who assured the account would be brought to a XXXX balance and closed out. 

As of today I called and was told the account has a {$67.00} balance. I received a collection email. I also continue to have me credit diminished by Citibank. The only activity on the card in months was my youngest son 's unauthorized purchases on XXXX, which XXXX promptly refunded to the Citibank card in full.

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 2019-04-13
Company: CORELOGIC INC
State: CA
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:
Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.Credco XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As a consumer and the original creditor, I am exercising my specified remedy. XXXX, TRANSUNION, XXXX has violated the law. This position was filled by XXXX, TRANSUNION, XXXX. According to 15 USC 1692a ( 3 ), I am the consumer, and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report. XXXX, TRANSUNION, XXXX is failing to uphold their grave responsibility to ensure fairness, impartiality, and respect for the consumer 's privacy under 15 USC 1692c ( c ) ( 2 ). 
XXXX, TRANSUNION, XXXX violated 15 USC 1681e ( A ) ( B ) ( C ) ( D ) and is still violating the FCRA. According to XXXX XXXX XXXX, I am not in debt. XXXX, TRANSUNION, XXXX violated my right to privacy as a consumer in violation of 15 U.S.C. 1681b2. XXXX, TRANSUNION, XXXX has no authority to report ANYTHING based on the information I provided. ANYTHING that makes use of my information in accordance with 15 USC 1681A. The account in question are XXXX XXXX ( LATE PAYMENT ). My consumer rights have been violated, and I am seeking restitution. If XXXX, TRANSUNION, XXXX does an investigation or reinvestigation, I want to know the names, badge numbers, and addresses of the people they speak with in order to verify the late payments. I require a signed affidavit under penalty of perjury from anyone with first hand knowledge to whom XXXX, TRANSUNION, XXXX speaks with, assuming the late payments are validated. If I do not receive signed affidavits from everyone XXXX, TRANSUNION, XXXX contacts, I want all late payments removed from my credit profile as soon as possible. Please send everything to my registered address.

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 2023-09-19
Company: Factor Trust
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with XXXX XXXX credit reporting. 
I have evidence to prove my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Chime Financial Inc
State: NV
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:
CHIME Mobile BANK ACCOUNT - otherwise known as XXXX XXXX Account Number Ending in XXXX Claim ID : XXXX Unauthorized Transfer Reported XXXX Claim Amount {$1200.00} I have reopened this claim multiple times, as I DID NOT INITIATE this transaction. I do not know who this person " XXXX '' that took {$1200.00} from my bank account. In America, this is defined as FRAUD, I received this information from my attorney : Transactions not made by you or anyone authorized to use your account are fraudulent, and federal law protects your money. Banks must refund you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Name : XXXX. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18 I used the XXXX feature on the chase mobile app to deposit a check for {$360.00} because I don't have a car and getting to a branch was inconvenient. I was then told that they refused to process my deposit in a timely manner. I spoke to a supervisor and was told it would be over 24 hours but that the check will be out of its pending status by end of business day or XXXX, and at that time they could issue a credit for the check amount. I asked if I could instead go into a branch in person to get it cashed instantly and I was told yes. I walked XXXX minutes each way to the branch located at XXXX XXXX XXXX XXXX XXXX, UT just to be told it was impossible since it was still pending and they rudely turned me away. I called back and another agent told me I could just overdraw my account at an ATM. So I literally spent another XXXX minutes each way walking back to the bank 's ATM for the transaction to decline. I called again and was told my account wasn't authorized for overdraft. At this point, it was after XXXX so I asked why the check was still in pending status and I was told the end of business day was actually midnight. So I asked for another supervisor who explained that she would file a complaint about all the misinformation I received but ever so rudely told me she would do nothing to help me actually get my money. So I asked to speak to someone else if she wasn't even going to try and help me. She told me there's no one else to speak to and my call ends there, then she rudely hung up on me. I called back to file a complaint against her and was promised I was being transferred to another supervisor named XXXX XXXX. Next thing I know, the automated system is saying " press XXXX to fill out a survey or please hang up now. '' meaning that they literally hung up on me while trying to file a complaint about being hung up on. The lack of customer service, the misinformation and the rude behavior I received from several Chase employees is terrifying and just plain wrong.

Company response to consumer: Closed with explanation