BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: Fidelity National Information Services, Inc. (FNIS)
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:
ChexSystems continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address ChexSystem uses to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : *Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XXXXXX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX  XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XXXXXXXX XXXXXXXX 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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I'm invoking my specified remedy as a XXXX XXXX member as the original creditor/consumer. Under 1681i ( 2 ) Prompt Notice of Dispute to furnisher of information before the expiration of the 5-business-day period regarding CFPB # XXXX ; # XXXX and # 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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, CHILD SUPP, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been battling with Synchrony, specifically with my Walmart Credit Card, as to promises for interest being credited back to me, as promised by their reps. I had a rep over a year ago, explain to me that my promotional balances are not paid off first unless I check some spot online, which is not only difficult to find, but also never told to me in the set-up of the account. I brought this to the attention of the reps at Synchrony for my Walmart card and since my card has been open since going back to 2014, they offered the interest credits and I took them. Now, every single time I ask for them to fulfill these promises, I get some cookie cutter responses, like I am not even a person or I matter. I just went online to get a copy of their responses recently, and they " MAGICALLY '' disappeared from the records, after I told a rep I was filing this with you. I am sick of these promises being made and them playing these games! I had the proof to attach to this complaint, as per numerous chat room discussions as well as email contacts on the walmart credit card website, but as I stated, they magically disappeared as of today, which is less than a few hours after I told them to fix this or I am filing this complaint. How is destroying conversations considered legal and fair?

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 did report to this following companies TransUnion and XXXX my concerns as a individual protected by the consumers laws about having my name XXXX, addresses and some fraudulent hard inquiries posted on my credit repor.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-09
Company: Armed Forces Loans of Nevada Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been actively disputing an account with Armed Forces Loans for quite some time now. I recently began cleaning up my credit and notice, AFL was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and AFL verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show AFL was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, AFL updated my credit file as of XX/XX/XXXX, closing the account rather than deleting it, and again with inaccurate data. XXXX is reporting Highest Balance as {$0.00}, 88 % left to pay on loan and XX/XX/XXXX days late as XX/XX/XXXX, other files show {$4000.00} with 67 % left and XX/XX/XXXX days late as XXXX. Instead of correcting the data, AFL chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by continously validating inaccurate data. Please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX - Account # XXXX has violated my rights XXXX XXXX - Account # XXXX has violated my rights XXXX XXXX - Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604 A - Section 2 states that a consumer reporting Agency can not furnish an account without my written instructions I am requiring the enforcement of my privacy as I did not give any written instruction to any credit reporting agency or bureau for these accounts or any remarks to be furnished on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Remitly, Inc.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited XXXX usd and company has restricted card prior to additional deposit there for entrapped my funds I complied with all requested information and now expect the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-08-17
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 SET OUT ON A JOURNEY TO REPAIR MY CREDIT AND ASK THE CREDIT BUREAUS TO MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 60 DAYS RECEIVED MY INVESTIGATION AND NOTICED EVERYTHING WAS THE SAME .THE CONSUMER REPORTING AGENCIES WHICH IS XXXX XXXX EXPERIAN XXXX AND XXXX XXXX XXXX NOT MODIFY OR DELATE ANYTHING. 

THE DATE IS NOT CORRECT THE LAST ACTIVE DATE IS NOT CORRECT ON ALL XXXX REPORTS. 
WHICH IS A VIOLATION.THIS IS IMPACTING ME FROM MOVING FORWARD TO BUY A HOUSE FOR MY FAMILY. 

I ATTACHED MY PERVIOUS CREDIT REPORT AND MY NEW CREDIT REPORT TO SHOW HOW EXPERIAN VOILATED MY RIGHTS.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Loan with XXXX XXXX XXXX XXXX is continuously being reported as a charge off account with an inaccurate fluctuating balance each month which has caused my credit score to fluctuate on average XXXX points up and then XXXX points back down for nearly five months. This account has resulted in two mortgage loan denials despite my otherwise excellent credit. 

I have previously disputed this account which was removed from one credit bureau but remained on my report with Transunion and XXXX. I have contacted XXXX XXXX XXXX XXXX directly to discuss this account to which they were very unprofessional, rude and questioned as to why I was requesting payment history on a loan I " clearly had no intentions to pay '' when all I was trying to do was validate the debt. 

I had contacted the company to request payment history as the balances being reported each month as a charge off are not accurate. The company has told me during two phone conversations that the account was charged off with a balance over {$2000.00} but then my credit report continues to show a balance of {$200.00} then increases to over {$2000.00} and then back to less than {$200.00}. Even after my two requests for payment history, I have yet to receive the information I requested. 

Still at this time, after multiple disputes and contacting the company directly, I have yet to receive appropriate resolution or even acknowledgement of their error and how their errors are impacting my life and well-being and I have yet to receive the requested information to validate the debt.

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 2023-08-11
Company: EQUIFAX, 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: 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: AZ
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 this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX XXXXXXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am a victim of identity theft, and I did not make this Inquiry details XXXX XXXX SERVICES XX/XX/2022, and XXXX XXXX XXXX Opened XXXX {$320.00}. and XXXXXXXX XXXX XXXX  XXXX I am requesting that the charge be removed or DELETED, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as Identity Theft Affidavit. Please reinvestigate this matter and ( delete or correct ) the disputed item ( s ) as soon as possible. 
In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account. The copies of the records can be mailed to me at the address listed below. IN addition, please make these records available to law enforcement upon their request.

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 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There are unauthorized businesses on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: CREDIT ACCEPTANCE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My credit reports that I made two late payments in the month of XXXX & XXXX off 2020. Ive never paid my car note 30 days late. Ive continually made my monthly payments before 30 days. Credit Acceptance is reporting that I made two 30 day late payments which is false. I have documentation that I never missed a Payment, I notified them of this error 5 times and I also mailed a certified letter requesting such request. This error on my credit report has cause me serious credit issues, I was in the process of purchasing a home and now I ca one cause of this. I am not happy with this 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 2023-08-10
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On Sunday XX/XX/2023 the available balance in my Santander checking account was XXXX. This was money sitting in the account for a while and there was no hold whatsoever on these funds. Anticipating a large expense I deposited into the account a credit card advance check in the amount of XXXX dollars. 
Santander bank put a hold not only on this new transaction, unbeknownst to me they put a hold also on the XXXX that was sitting in the account prior to this transaction, resulting in checks and ACH purchases and credit card payments being returned for insufficient funds. I immediately called Santander but the manager at the local branch was unable to stop the back office from bouncing my checks. I could not write any more checks until I got this situation resolved otherwise the checks would bounce. I pleaded and told them that the XXXX was free and clear and there was sufficient funds for all the checks & payments. It took until midday Thursday till they released the hold on my account. Santander bank illegally restricted me from using funds that were free and clear for practically a week. If the government wants consumers to have confidence in the banking system they need to oversee and fine institutions who withhold funds without merit

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