BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent Experian the information below in separate complaint forms on XX/XX/2022 and updated information on XX/XX/2022. Experian has refused to remove the said below account but removed other accounts that were sent at the same time. My privacy has been invaded this has been stressful to me I have literally been sick over errors on my consumer credit file. when I called to try to speak with someone on the line Experian tells me about their policy and their rights all while Im speaking to someone overseas about my account in the United States. I am requesting that I be sent an updated account after the removal of the said below account as well as my credit score. DO. NOT OPEN NEW DISPUTE THE LETTER AN UPDATE TO THE DISPUTE FILED XXXX. 

XXXX ACCT # XXXX My Experian membership number is 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 2023-09-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Noticed inquiries on my report that werent authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-20
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received several emails from Chime about a new checking account opened in my name, including an alert that a debit card was to be mailed to my home. The account was opened with my maiden name and the address used was an old address. I did not open a Chime account, I didnt even know what Chime was at the time. The first email from Chime was received on XX/XX/22. When I saw the email on XX/XX/22, there were four emails total from Chime at that point. A disclaimer at the end of the emails provided instructions to report if an account was open without authorization, and the instructions included to email Chime with the subject line a chime account was created without my authorization. I did that and sent it on XX/XX/22. I never received a reply. On XX/XX/22, 10 days later, I received a debit card in the mail. I called Chime XX/XX/22 to report fraud and they closed the account. The woman on the phone asked for my SSN which I did not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-06-23
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX  XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I was reviewing a copy of my credit report and saw a listing for XXXX XXXX XXXX XXXX. for a debt of {$3400.00}. I sent a certified letter requesting that they validate the debt, provide HIPPA consent for PHI, and original signature of an agreement for payment. On XX/XX/XXXX, I received a package in the mail from the company. Upon opening the package I found an itemized bill with PHI in the form of XXXX codes and service descriptions. I have never authorized my PHI to be given out to any companies.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 accounts 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 XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$360.00}.

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 2022-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$530.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely 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 2023-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was used for 4 purchases of XXXX each that I didnt authorize. I have contacted my bank multiple times but they have denied the fraud claims. My did lose my wallet briefly at the gym but it was returned to the front desk so I didnt think much of it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-02-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and experian have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel experian has violated by consumer 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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made a purchase at Best Buy on XX/XX/2018 for {$3600.00} when the offered me a no interest for 18 months credit card, I asked the salesperson what happen if I don't pay in full in the 18 months, he told me then you will have to pay interest in your balance, I said ok, so he walked me to the cashier and she asked me for my personal information 5 minutes later she told " congratulations you are approved '' and she asked me to sign on the electronic pin pad and gave me the receipt. 
I asked her for a copy of my application but she told me that I will get it by mail along with the new card in 10 business days, a month passed and I didn't get any correspondence, I called Best Buy asking for the documents the customer service representative apologized and told me that he is going to expedite my request and that I should receive it in no more than 5 business days, effectively at the fourth day I just received the new card with the activation information ONLY. 

In XXXX I logged in to make my monthly payment and I notice that my account that was supposed to be about {$350.00} is now {$1200.00} because they charged me the 18 months of interest. I called to ask for any document signed by me accepting those terms. 

I called Best Buy in XXXX, spoke to the manager, this very rude lady told me that all that information was on the pin pad and that I should have read the information when I signed the receipt for the purchase, I told her that it is impossible to read that information in such a small device in less that 3 minutes, she ironically told me " I do it every time that I buy something '' Last week somebody called me from Citibank saying that they funded Best Buy 's credit cards, I asked this person how it is possible that I have this card since XX/XX/2018 and it is the first time that they call me to tell me this information, however, I explained this lady the problem, but she told me " I am sorry, but it is too late for you to request an adjustment of interest, you had only 30 days to it, I am pretty sure that Best Buy should have told you this, they are very well trained '' I felt insulted. 

Now Citibank calls me every day treating me to put me on collection.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-04-21
Company: Experian Information Solutions 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 accounts are not mine and unverifiable. 
XXXX ) XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX I have asked all three credit bureaus to provide me with the proof, bearing my signature, holding me liable for this account they have all failed to do so.

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: VA
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 XXXX 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 XXXX 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 2023-02-08
Company: Experian Information Solutions Inc.
State: MD
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 : XXXXXXXX XXXXs 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 : 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 2020-04-16
Company: Westlake Services, LLC
State: CT
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:
I applied for a loan from Westlake Financial Services in XX/XX/XXXX. I was involved in an accident in XXXX before that I was doing timely payments. Initially the insurance payment paid them off a major of the portion of the principal and then I kept in paying too same as before. I also financed an extended warranty through them so the company of the warranty had to sent me a check the check went to them first and they paid themselves then they paid me. When the loan was closed which was reported on XX/XX/XXXX they reported that I was 30 days late for XXXX payment 30 days late for XXXX payment and 30 days late for XXXX payment. Their representatives were very inept and lacked proper training and this company is probably the worst lienholder Ive been dealing in my entire life. Anyways the payment should be done by the first of each month. I am attaching two screenshots where my payment for the due date on XXXX was made on XX/XX/XXXX in full for the due date by XX/XX/XXXX. Also the payment for the month of XXXX was done in two different dates for two different amounts XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX for the due date by XXXXThey also told me that my account was paid off sometime in the end of XXXX with the check that the warranty company sent to them they paid off themselves in XXXX and then refunded me so despite I took a statement on XX/XX/XXXX to make a payment by XX/XX/XXXX but yes I did not make a payment due to my account being paid off from the check they got from the warranty company. I want to know how is it possible I was 30 days late in payment for the months of XXXX and XXXX and 60 days in XXXX when my account was closed on XXXX? Despite its reported as closed on XX/XX/XXXX on XXXX  I think.

Company response to consumer: Closed with explanation