BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-09
Company: EQUIFAX, 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:
When I reviewed my credit report again, I discovered that some of the accounts were erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXXXXXX Balance : {$800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX Balance : {$620000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I SENT SEVERAL LETTER TO TRANSUNION STATING I DID NOT AUTHORIZE THESE INQUIRES AND ASK FOR THEM TO BE DELETED AND THEY JUST SENT A COPY OF MY CREDIT REPORT AND THE ISSUE WAS NOT RESOLVED. THEN i ASK THEM FOR PROOF THAT i AUTHORIZED THESE INQUIRIES ON XX/XX/2023 AND THEY STIL DID NOT SEND PROOF.

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 2020-03-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a Modification on my loan with Chase bank that had something called a balloon. I was told that I would be able to renegotiate this at the end of the term. I tried to refinance and they said I didn't qualify. I tried to modify and they denied that. I am XXXX  and XXXX  XXXX and have difficulty with XXXX XXXX XXXX XXXX. This XXXX is documented. I was told that I would be able to keep making my payment but the bank won't let me so now I have a late payment and they said they would foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. XXXX is reporting the wrong social security number for my report and even after submitting the proper proofs, they haven't even updated my report yet. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

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 2023-06-10
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX  I purchased an XXXX from XXXX XXXX through XXXX XXXX XXXX. On XX/XX/XXXX I returned the phone to XXXX XXXX. XXXX XXXX XXXX sent me an additional bill for the cost of the phone. I called them in XX/XX/XXXX to dispute the charge. I spoke with a someone named XXXX who started a XXXX way call with the corporate XXXX XXXX office. The XXXX XXXX representative confirmed that the phone had been returned. Despite this, XXXX and his supervisor claimed that I still owed the purchase price of the phone because they had a communication break down with the XXXX XXXX store and lost the phone and refused to do anything else. XXXX & at sold the debt. I did not receive any notification from IC Systems attempting to collect the debt or how I could dispute it. On XX/XX/XXXX, I noticed that IC Systems attached the collection to my credit report. I filled out the dispute form on their website and also disputed by email and they have failed to respond.

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 2023-05-26
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: Account status incorrect

Complaint:
My identity was stolen, social security number, name, address and fraudulent line of credit through XXXX XXXX XXXX XXXX XXXX. 

15 U.S. Code $ 1681c-2 a consumer reporting agency Experian, XXXX, XXXX XXXX XXXX XXXX, 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 XXXX business days after the date of receipt. 
It has been 2722 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-04-12
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : XXXX XXXX Bankruptcy / XXXX / {$0.00}

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, XXXX updated my bankruptcy - discharge of debtors from pending to approved. As you will see in 1 of 3 of the included attachments, my subsidized and unsubsidized Federal Student Loans ( FedLoan  ) aka Department of Education is included in my XXXX XXXX  XXXX bankruptcy on the certificate page. Federal Loan transferred eligible loans to XXXX around the summer time in XXXX. XXXX, TransUnion, and XXXX all have been habitual violators of closing, reopening, and changing the status of my student loans even though all agencies have proof of my XXXX bankruptcy discharge documentation. XXXX, currently, is the only agency that has my student loan status as included in bankruptcy and closed as a status. These status changes has cause substantial and adverse financial hardships with the approval of credit applications as well as the ability to maintain a good consumer credit score rating.

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 2020-12-19
Company: Synovus Bank
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for a secured cc from first progress. I filled out their application, and made a deposit of {$450.00}. Soon after I received the card, I lost it. Immediately, I called first progress and reported it. During the conversation with their representative, I was asked which transactions were mine. Was told that the card and account was cancelled, and a new card should arrive within 13 business days, this was on the XXXX of XXXX. On the XXXX of XXXX, I called first progress back, I inquired as to when my new card was supposed to arrive, and when my payment was due and the amount ( it was on the XXXX ). To which I was informed, that yes the card/account was cancelled, however the order for a new card was never placed! And as far as the due date, well since the account was closed, they couldn't accept a payment, until I received the new card, and activated it, and the date should then be rolled over until the XXXX of XX/XX/XXXX. Again I was told a new card was ordered, and would arrive within 13 days. XX/XX/XXXX, the new card arrived, which I promptly activated without any issues. This morning XX/XX/XXXX, when attempting to use the new card to purchase coffee, it was declined! I pulled up my account, which showed I had {$85.00} credit available, and a late fee! I was upset that I was charged a late fee, as well as interest, for not making a payment on the XXXX of XXXX, the payment I was told I couldn't make due to the account being closed. I called the number that they claim is customer service. The first person listened, and replied there is nothing they can do about the charges, and I need to make a payment to reactivate the card. Unsatisfied I requested to speak to a supervisor. After 3 minutes on hold another person answered to state she'll be right back and again I was placed on hold. 38 minutes later, an apology was issued for the long wait, and again was told nothing can be done, I asked for her name, and her supervisor. She refused to identify herself and after another long wait on hold, the highest person with the ability to speak, a person claiming to be " XXXX '' employee ID # XXXX, said he could waive the late fee, but wouldn't waive the interest, was not apologetic about the rudeness of his staff, and couldn't turn the card on until a payment, which mind you, wasn't supposed to be due until XX/XX/XXXX, was made. " XXXX '' refused to give any contact information of his superiors. At this I had had enough, and requested the account closed and a refund of the remainder balance. The refund, I am told will take up to 75 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: 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 2023-06-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-01-31
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, I opened the Citibank Priority account on XX/XX/2023, seeing the earn up to {$2000.00} bonus offer ( attached ). My account was opened, and I received the debit card in mail. A few days later, there was a hold on my account and upon calling I was told that the account would be closed, and you will receive a letter in the mail. I received the letter in the mail ( File number XXXX ) and the only reason mentioned in the letter is unable to verify information. I called Citibanks fraud department, and I was told that XXXX has specified that my Social Security number is not issued. This is a very bizarre reason, because I have XXXX profile, I receive their credit report every month, I have few credit cards, a current mortgage with XXXXXXXX XXXX  etc ( credit report attached ). I tried to convey the same to the Citis representative over the phone, but she had no other reason or explanation.

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 2020-12-23
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX- Last reported XX/XX/XXXX {$8900.00} Reported balance XXXX  {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$17000.00}.

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 non-monetary relief
Consumer complaint received 2020-01-15
Company: ALLY FINANCIAL INC.
State: GA
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 did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

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 2020-12-22
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a letter in the mail on XX/XX/2020. The letter was from Caine & Weiner collections agency stating that I owed a debt that XXXX XXXX representative stated that I did not owe, and the debt was paid in full. I disputed the amount owed in the letter within the 30 day time frame, and the still stated that they did not receive the letter, and that they will not remove the debt from my credit report. 

Caine and Weiner stated that they did not receive any written correspondence from me and that they will not send me a detailed accounting verifying that i owed the debt. I sent them a copy of the letter and they still refuse to acknowledge the letter and remove the debt from my credit report. 

I do not owe this debt, i disputed this debt, twice now, and they are refusing to take debt off my credit report and will not send me any documenting proof that i owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Well I have a stash account and I link it to my square cash app account I was locked out of my stash account and not told where my money is. On my cash app it say that they sent it but it never hit the card I have multiple complaints from refunds to Nothin is on the card. The bank it went to was XXXX XXXX the money came from stash capital. It total to XXXX dollars I have not seen a XXXX  all the transactions are on the page. It says complete. I can't get any word or help I earned that money and now everyone is acting like there's no way to contact these people. The transaction range from XX/XX/XXXX to XX/XX/2020. XXXX dollars total

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Consumer Adjustment Company Incorporated
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification about a collection being placed on my account from a debt collection agency on XX/XX/20 in the amount of XXXX. I have not been contacted by anyone nor have I received any information in relation to any debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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