BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NV
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:
I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the EQUIFAX. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was reached out to via email regarding a job offer from a company by the name of XXXX XXXX XXXX. They were inquiring about me applying for a customer service representative position for the company. I followed the instructions given via email, and set up a XXXX XXXX  account, and was told to reach out to a gentleman by the name of XXXX XXXX. We were in communication about the job from XX/XX/2023 through XX/XX/2023. On Monday of XX/XX/XXXX I was sent a check issued by XXXX XXXX  for the amount of {$1200.00} which was meant to be used for all of the supplies that I would need for the job. I deposited the check online through my mobile banking app. The check said that it wasnt going to be processed until XX/XX/XXXX. XXXX had told me that the funds were to sent to the vendor so that, the vendor could then mail me the supplies. Since I communicated to him that the check was still processing, he had asked me if I had {$1200.00} so that I could send the money to the vendor. I did so because I was under the assumption that the check would be available in my account no later than XX/XX/XXXX, so my money would be reimbursed by the check that I had deposited. He gives me instructions to send money to a recipient by the name XXXX XXXX using the email provided ( XXXX ). And once I sent the money. Thats when communication started to shorten. I am afraid that my identity as well as my privacy may be threatened since he had also sent me a XXXX form to fill out. My address, social security as well as my email address were given out. I dont know what to do and I need help assuring me and my family are safe and that this doesnt happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The credit bureaus stated my accounts were properly investigated, but how is this possible if the open date is inaccurate, the date last active is inaccurate, the amounts are different. These are grounds for removal they also violated my rights under 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 an account without my written instructions.

According to the Fair Credit Reporting Act everything must be 100 % accurate. Clearly my credit report is filled with numerous inaccurate information violating my rights.

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX I'm also a veteran and having this inaccurate information on my report is actually preventing me from purchasing a home.

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 2020-06-15
Company: SYNCHRONY FINANCIAL
State: TX
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:
PayPal Credit keep reporting my account as 90 day delinquent. I paid all my balance by XX/XX/2020 ( {$54.00} ), but it was not delinquent on that time. I got credit alert on XX/XX/2020 from " XXXX  '' credit monitoring bureau about delinquent account of XXXX  dollars. Please help me to remove this company 's error reporting, because it negatively affect my credits.

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: 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:
The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated or removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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: 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: Account status incorrect

Complaint:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00}

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 2018-02-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our application for refinancing was submitted XX/XX/XXXX By XXXX XXXX ID : XXXX at the XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. This application was complete and accepted. 

Also as per the copy of the letter you claimed to have sent on XX/XX/XXXX reportedly informing the servicing of our loan being transferred to XXXX XXXX XXXX XXXX All these letters were sent to wrong addresses purposefully or ortherwise. Please attached. 

We state the same for all your correspondence. 

Per section 6 of RESPA if you send a qualified written request, as a consumer I should have received acknowledgement and written correspondence regarding my request. We feel that the requirements of RESPA were not met. As such our rights have been violated.

Company response to consumer: Closed with explanation
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 Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : 49 Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account.

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 2020-08-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
As previously notified, I am a victim of identity theft, please see attached requested documents for the 2nd time

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 2023-08-17
Company: Experian Information Solutions Inc.
State: GA
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 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 2023-03-13
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am issuing a complaint against XXXX XXXX XXXX as well as National Credit Systems. I was a tenant with XXXX XXXX XXXX for roughly 6 years. When I moved out in 2021, I did a walk through with management, turned my key in along with my badge to the gate and fitness center. Management stated the apartment unit was in good condition and that all balances were satisfied. They did not mention any additional fees such as cleaning fees or anything of that nature. On XX/XX/2021 I received a balance due email reflecting a balance of {$0.00}. Several moths later I was contacted by National Credit Systems stating that they had purchased a debt that I had with XXXX XXXX XXXX. I advised them that the charges were bogus and that I had received an account balance of {$0.00} from XXXX XXXX XXXX and asked them to remove the charges. Instead they reported to all three credit Bureaus ultimately resulting in my credit score being negatively affected as well as causing me to be denied for an apartment to which I lost {$300.00} for application fees, etc. I disputed with all three credit bureaus and they all came back and said they contacted National Credit Systems who stated that the charges were valid although I provided all three credit bureaus with the letter of XXXX account balance. This entire situation has caused me a lot of unnecessary time and energy. I am submitting a complaint against XXXX XXXX XXXX for bogus charges. I also wrote a negative XXXX review for them and much to my surprised there were multiple XXXX reviews stating that XXXX XXXX has also done this previous tenants. I am also issuing a complaint against National Credit Systems for not doing their due diligence and reporting these bogus charges to the credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have started receiving emails feom community bank and receiving calls. I then blocked all numbers and started receiving no collar id calls. Which was again from comenity bank. So I started not answering. Then I began receiving emails from XXXX XXXX. I blocked them because I had never even heard of them before and the emIls were getting ridiculous. Yesterday I received a bill from comentiry bank for XXXX XXXXXXXX. The bill is addresses to me. The info has only a account number blocked out except for the four last digits of an account. For a {$230.00} the only place on the bill that has my name on it is the return payment with a XXXX XXXX . I called them and the person that picked up had a pause and delayed reaponse and tried to ask me for personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have received multiple calls from Navient regarding a student loan that belongs to someone named XXXX XXXX who is using my phone number. I do not have a student loan with Navient, nor do I know a XXXX XXXX. 

Today was the final straw in receiving calls from them. On XX/XX/2021 @ XXXX XXXX  I received a highly unprofessional and threatening message stating I had until XXXX XXXX or else along with a bunch of other stuff. It was so over the top it was almost laughable. When I called back and spoke to someone else, he was the so rude and actually started screaming at me and told me I was wrong in how skip tracing worked. No actually I am not. I work in the credit and collection space and am very well aware of how it works, how data is collected, and what consumer rights are. I absolutely do not appreciate reviewing such an influx of calls, rude & threatening messages, or live rudeness. 

I pulled my credit reports and XXXX XXXX is not listed anywhere as being identified with my telephone number, nor do I have any type of student debt listed or any inquires from Navient are listed. 

I want my phone number removed from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
its asll on transunion on my credit I have never had XXXX or checking just please look at it I have never that XXXX on my credit is not mine

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following XXXX hard inquiries are showing on my transunion report and my credit protection that i pay for alerted me to this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my accounts, i did not solicit them and i don't have these accounts and my fraud alets i pay for notified me. I want these deleted 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 explanation
Consumer complaint received 2018-10-31
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: Their investigation did not fix an error on your report

Complaint:
I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX  XXXX XXXX   was an account agreed to be removed many years ago and now its back on my credit file under a different name. 

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX & XXXX, XXXX, and XXXX XXXX at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: Synovus Bank
State: AL
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 made a payment to my Synovus Bank Visa account on XX/XX/2020 using a check drawn on XXXX XXXX. The payment amount was for {$1500.00}. I have checked with XXXX XXXX  on the phone as well as on-line that the payment was debited from my checking account on XX/XX/2020. I have given this information to the bank. I have the receipt in hand from XX/XX/2020. They refuse to give me provisional credit for the {$1500.00} even though I have provided all the required information. I should not have to wait 48 hours for credit when I have provided the documentation. They have messed me up financially at this point until they decide that I did make the payment. Synovus has said nothing about back dating the payment and crediting me with the payment as well as interest paid on the {$1500.00} for a complete billing cycle. 
If you need account numbers, copies of the receipt, copy of my XXXX  statement let me know. I can't upload a copy of the receipt because I don't have the ability to scan at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 explanation