BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX,, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Act. #, XXXX XXXX XXXX # 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

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 2019-12-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
Attached to this complaint is a police report from the XXXX Police Department in regards to fraudulent and unauthorized checking accounts and credit inquiries listed on my Chex Systems Consumer Report. The following checking accounts was open fraudulently, are fraudulent checking accounts and not my accounts : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX. All of the credit inquiries listed on my Chex Systems Consumer Report is fraudulent and unauthorized.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wish to formally lodge a complaint against the XXXX XXXX credit card company, also known as XXXX. Last year, I utilized their automated payment system to settle my bill. Despite having sufficient funds in my checking account, the payment was not accepted. Consequently, this situation led to a 30-day late payment notation on my credit report, significantly impacting my credit score. I am now seeking to address this issue by filing a grievance with the company. My objective is to request the removal of the negative entry or, alternatively, pursue legal action with the assistance of an attorney. 

In a recent occurrence in XXXX, I faced a similar situation when I made a payment through the automated system. Despite providing accurate information and ensuring an ample balance in my account, the payment was returned. I am inclined to believe that there are flaws in their system that require rectification. The automated payment system appears to have numerous errors, resulting in customers experiencing adverse effects on their credit standing. 

Recognizing the paramount importance of maintaining a positive credit history, I am committed to taking the necessary steps to rectify this situation. My primary aim in filing this grievance is to have the negative information expunged from my credit report. Additionally, I urge the company to conduct a thorough review and update their automated payment system to prevent similar issues from affecting other customers in the future.

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 2023-06-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and i noticed some inquiries that i did not authorize : XXXX-XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Finance XXXX Experian XXXX XXXX XXXX XXXX - Credit Union  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Finance XXXX Experian XXXX XXXX XXXX XXXX - Credit  Union  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Finance 1XXXX Experian XXXX XXXX XXXX XXXX - Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2023-07-14
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:
This is my 9th 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 an alleged fraud or extortion. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had requested a Loan Modification for my mortgage loan. During the process I was informed I did not have to make a payment until the Loan Modification was completed. Unbeknown to me was that the Lender had filed a Notice of Default [ " NOD '' ] and a Notice of Sale [ " nos '' ] during the Loan Modification process. At no time did they inform me that they had field a NOD or NOS. 

There were fees they required for me to pay in advance, like for homeowner 's insurance, but they never credited me for the payment nor have they refunded the fees paid. They have been very difficult to contact and they have stonewalled me repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted XXXX to figure out a way to settle previous debt of {$200.00}, talked with executive office whom told me they have a collection agency they use. The collection agency bill total amount is actually more the reported amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Use of card on XX/XX/20 and XX/XX/20.tried to report card lost/ stolen and sufficient information given in regards to how to have a account remains on card or weather or not my Social Security Durability amount being direct deposit to XXXX ( netspend ) account.i have tried to understand why i was given two cards which account was tied together and have had tremendous difficulty stopping charges and the blockade of both cards..it is understood that sufficient information was not given as to how to attain balance and direct deposit and weather or not cards have been issued and was hung up on after waiting twice..1 ) 45 minutes ) 2..over 2 hours without suitable resolution.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 requested several times from the debtor and the credit reporters to send me proof of the debt they have not yet to date and the XXXX account in question is over 7 years old should not be on my report anyways. also they did not remove or resolve the issues within a timely matter just asking that XXXX XXXX XXXX acct XXXX be removed from my credit report till they can provide proof of the debt belonging to me.

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 2022-09-24
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX I, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX

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 2023-10-20
Company: Experian Information Solutions Inc.
State: NJ
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:
This information is incorrect in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-10-16
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. It's been well over 30 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been over 30 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach. 

Additionally, on XX/XX/2022, a demand to comply letter was sent awaiting response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: CT
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: ERC
State: WA
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:
On XXXX my 3rd attempted to reach out to Enhanced Recovery CO LLC for improper account reporting or furnishing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have received statements from this bank with no closing dates, no previous balance dates, no detailed transaction date, moreover, I believe I am being charged too much for interest. 

I have uploaded a chart of some of my recent statements. 

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 2023-06-25
Company: Experian Information Solutions Inc.
State: MT
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 have almost 95 % of all information showing on all the reporting agencies and fico is incorrect or even someone else. From ss # to account I've never had to thief of identity. I was very well off up to XXXX approximately you can see I had an average score of XXXX then identity theft and lack of capability to correct these errors had completely changed and destroyed everything I ever works for and my patriotic trust in our great nation. I was forced to stop working, due to XXXX overcoming my abilities to work I am fully XXXX for life. Now understanding me personally, my XXXX makes it unachievable to pay attention to details XXXX drive, focus, remember or fix issues such as this. I struggle remembering my own name from day to day, my license was taking for life, I went from earning {$22000.00} per month to receiving full benefits at {$2100.00} per month not a la to work XXXX drive, socialize, or continue life normally. Fix my identity theft please. I paid my home off 3 times over {$500000.00} per time in Montana here, owning a XXXXXXXX XXXX XXXX XXXX XXXX XXXX and running a very successful marketing company from XXXX employees to over XXXX employees at time of sell by owner. Then as I am no longer employable and identity theft of all life services and financial has overcome my every means I now have a credit score under XXXX, I can't reverse things due to stress and my XXXX disorders, didability doesn't help in these areas in the united states, and I need your help, attention and commitment to restore my credit, life, and last few years of dignity. Thanks 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 2021-05-28
Company: EQUIFAX, INC.
State: OH
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/14 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
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:
I am writing to delete the following information in my file. The Items I need deleted are listed in the report. I am a victim of Identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of y identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please Delete the items as soon as possible.

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 2021-12-04
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: Chime Financial Inc
State: MI
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:
Money was taken from my account without my authorization. Chime basically said It was authorized while I'm on the phone in like a really fast timeframe of a so-called investigation. This was {$660.00}. They ( Chime ) refuse to help me.

Company response to consumer: Closed with explanation