BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: MI
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 declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
By the provisions of the Fair Credit Reporting Act, please have these adrresses removed from my report. Please send an updated copy of my credit report to the above address listed on my ID. According to the act, there shall be no charge for the updated report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 have report this account as fraud on my account almost 3 times in they have done nothing to help me resolve this issue, I have stated several times that when this credit account was made I was underage at the time I just recently turned XXXX in when I went to start to apply for credit I kept getting denied in seen on my report this account that Is fraud in have all the wrong information on they account literally wrong birthday, address, phone number so Im not even sure how they even processed my information with the wrong date of birth etc it is a charged off making it negative on my credit report it needs to be remove I have no knowledge which I keep stating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative collection on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these collection accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : US DEPT ED XXXX and US DEPT ED XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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:
Information on credit report inaccurate, please remove all inaccuracies. 

Inquires : XXXX XXXX on XX/XX/2022/ this does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: WELLS FARGO & COMPANY
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed 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 2022-10-06
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX  I used my Chime debit card to purchase gas at XXXX  in XXXX, Missouri. At XXXX XXXX my card was used for a purchase at XXXX 's XXXX out of New York for {$150.00}. At XXXX XXXX my card was used again at XXXX 's XXXX  for {$46.00}. Once I realized the charges were made I called Chime and advised them I did not make the charges and they canceled my card and sent a new one. I disputed the transactions and their fraud department almost immediately denied my dispute stating the charges were valid and that they would send me proof of how they came to their conclusion. I responded by sending them information that showed I was in XXXX XXXXXXXX at the time of the charges in New York, the phone number to the dentist 's office I was at an hour before I bought the gas, the address of the XXXX I was at, time stamps from their app showing I bought gas at XXXX XXXX XXXXn XXXX XXXXXXXX so it would be impossible for me to make a purchase in New York at XXXX XXXXXXXX but they have continued to state the charges were valid. I researched XXXXXXXX XXXX XXXX  and found that they do not do online orders so it is not possible to order something online to have it shipped to me. 

I again asked for their proof and was told it would be mailed to me within 10 business days, only to discover it was e-mailed and when I clicked the link to view the information the link expired. I requested the information again and when I got the link this time, the link said I was not authorized to view it. I sent them a screenshot showing this and have yet to hear anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-01-10
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this 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 2023-01-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: FL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Better Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home loan with Better mortgage received my preapproval XXXX was set to close XXXX. I own XXXX XXXX but I receive W2 income and my middle credit score is a XXXX. My loan officer XXXX XXXX along with the processor working on my loan file was very difficult to work with, for one they never answer the telephone, never return calls and do everything via email with of course two to 5 day delays in between. They have asked for repeat documents that were sent to them 3 and 4 times. I sent in my W2 's, current paystubs, bank statements showing my income yet they continued to ask for business documents which I also provided on numerous occasions. I provided the profit and loss statement for the business showing the income that comes in and goes out along with the balance the business currently has which is my operating income. There is no negative income balance on the XXXX XXXX & XXXX and again I am a paid employee of the business. Payroll documents were never asked for but I did provide my paystubs, and W2 's. My LO asked me for the bankruptcy documents which I immediately provided showing my chapter XXXX discharge was over 10 years ago, I also provided the documents showing the house that I owned at the time was given back to the bank in the chapter XXXX not foreclosed on. My LO missed my closing date of XXXX by coming back asking for repeat documents once I provided the documents and asked for my new closing date he wouldn't reply and neither would the processor. I emailed them both along with the manager on the email who also never replied to my emails. Only to receive a letter via email last week stating my loan has been denied due to insufficient income, which is a lie. This company is unethical, unprofessional, and use dirty tactics to bring in business off of expectations they know they can't meet causing me much pain and suffering and loss of deposit funds, inspections etc. Based on my personal bank statements, paystubs, W2 's and tax returns you can see I have more than enough income to support the loan. I would like a copy of the LO worksheet used to pre-approve me along with the XXXX findings. I would also like a copy of the underwriters income worksheet that shows my debt to income ratio to support the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date, they have not responded. 

The following account was never late : XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the XXXX account ( Date Opened : XX/XX/XXXX, XXXX : {$770.00} ). I am unsure of the accuracy of the XXXX of {$770.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed so that it won't have any further negative impact on my credit score. In addition, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 
The following account is not mine : XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$350.00} ). Please remove it from my credit report. 
I require that you verify the account identified as XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$530.00} ) because your reporting represents the information incorrectly. The XXXX of {$530.00} reported by you is inaccurate because I believe it should be a lower amount. Moreover, the Past Due amount shouldn't be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor so that this account is not held against my credit standing. Also, I require that you verify the Date Opened, Date of Status, and First Reported for 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 2023-02-15
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As soon as I noticed the unauthorized transactions I contacted chimes dispute team. The total amount of the unauthorized transactions is {$790.00}. Chime 's dispute team came to a decision before they even processed the police report that I submitted. I then appealed their decision and resubmitted police report and filed a identity theft report with the FTC and submitted that trying to dispute team as well. A few days went by and I called and chime support and was told that within 10 days I would receive a provisional credit but after 11 days and no credit to my account I called support again only to be told now it would be 20 days. The dispute team at chime Bank came to the same decision that's the transactions were authorized but it is painfully obvious that the transactions are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a Barclays credit card account. Barclays is not sharing my account information with XXXX. I already tried resolving the issue with XXXX. XXXX sent me a letter that I need to contact Barclays because they are not sharing/reporting my credit card account information with XXXX. 

My Barclays Credit card account does not show on my credit report with 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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-04-14
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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