BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
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: Investigation took more than 30 days

Complaint:
I told the credit reporting agency XXXX XXXX that XXXX XXXX was sued by the state of New Jersey attorney office It was a class action lawsuit that affect all car buyers who were sold a subprime loan. 
I was sold a subprime loan and as a result. The state sued them and found them guilty of selling high-interest-rate loans to XXXX XXXX XXXX or individuals with less that perfect credit scores. 
I file a complaint with the Attorney General and they are investigating the matter. This is part of ligation and they are not allowed to continue to report inaccurate information. The debt is forgiven and they are ignoring attempts for justifications According Fair debt credit report Act this is not allowed

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 2023-08-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This credit card is for dental care which has been completed. The balance on the card was {$1700.00}. I was sent a bill for over {$4600.00} on XX/XX/XXXX. I called Care Credit and made a payment of {$1800.00} on XX/XX/XXXX and they explained that my balance would be XXXX and I would not be charged any additional interest. I've contacted them XXXX times by phone and each time they stated that I would not be charged interest because I paid the entire balance on XX/XX/XXXX. My balance shows that I owe over {$2700.00}!! They are trying to take advantage of me because of my age and never told me about any additional interest. I've been making all the payments each month and have paid the remainder ( which was {$1700.00} ). I paid {$1800.00} on XX/XX/XXXX. They said that would cover the entire remaining balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2022-05-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I was trying to buy a car with one auto company and they used my credit in other different without me knowing they was going to pull hard inquiries throughout all the other auto 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 non-monetary relief
Consumer complaint received 2019-08-22
Company: JPMORGAN CHASE & CO.
State: MD
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 try and pay all my bills on time. I need to refinance my house, but on my credit is a joint credit card that has late payments on it and has been lowering my credit score since XXXX of this year. In XXXX, my fianc accepted a preapproved credit card from Chase Bank and added me as an authorized user without my permission. According to her credit card statement, nothing had been charged to the card since XXXX of XXXX and the balance should have been $ XXXX $ XXXX {$3300.00}. The balance is now {$5300.00}. She had automatic payments withdrawn for over a year, until they started adding an addition XXXX XXXX/month of interest in XXXX of XXXX. After that, my wife had a baby and was out of work for three months. She kept paying until XXXX, but then could no longer afford the extra $ 100/month interest. After that, they also added $ XXXX/month late fees. I met with my lawyer this week and he said for her to call them and have them remove me. Chase Bank told her she had to make a payment of {$1400.00} in order to remove me. Which she clearly doesn't have. She called again today, and after being transferred all over the place for nearly an hour, she eventually talked to someone who could help her. She offered to make a payment of {$200.00} if they would remove my name. They finally agreed that they would remove my name if she made a direct payment from her bank account of {$250.00}. However, as soon as she made the payment, they still refused to take my name off the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802. I was never given the opportunity to opt-out before anything was reported, which is a violation of my 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I went to a car dealership in XXXX, XXXX. to purchase a vehicle, I was unaware that after me being declined with the first bank, That this dealership would continue to shop my credit around to other lenders without my knowledge and after I had long left their place of business .The result of the auto dealer practices have caused a unnecessary burden on my personal finances and my business finances, I walked into the dealership with a XXXX credit score and awoke the XXXX XXXX to a XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged interest for {$15.00} from Capital one quicksilver card. I am using the card for 5 months with it's promised 0 % APR for 15 months. I find it unfair to be charged interest and this is my assumption that I need to complain against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 accounts on my credit report that does not belong to me and need them to be removed this is holding up my process to buy home and here the accounts : 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 2020-04-14
Company: Experian Information Solutions Inc.
State: WI
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 started receiving alerts from Experian and XXXX that a collection was added to my credit report from XXXX XXXX in the amount of {$1200.00}. I have never heard of them, was never notified by them in ANY form in regards to the inaccurate information they put on my credit report. The inaccurate information on my report says the they are a debt buyer who has this item listed me as individual responsibility which is incorrect. It also says the credit limit is {$1200.00} which is incorrect, I had no credit limit with them. It also says terms are for 1 month which is incorrect. It also says date of status as XX/XX/XXXX. According to the Fair Credit Reporting Act, anything reported on my credit file MUST BE ACCURATE IN ITS ENTIRETY OR BE REMOVED. THE FAIR CREDIT REPORTING ACT STATES ANYTHING THAT IS INACCURATE, INCOMPLETE OR THAT CAN NOT BE VERIFIED MUST BE REMOVED. XXXX XXXX, XXXX, Experian has violated my consumer rights in a scare tactic to force me to pay them monies they are not owed. I do not have any business with them nor did I authorized any company to sell or use my social security number to access my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi. I used XXXX through my XXXX XXXX app to make a transaction with a seller for a product. The seller scammed me on the product and now I am out of money. I want XXXX to pull the funds from his account and reimburse me my money. He sold an XXXX that was filled with cockroaches and unworkable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had all 3 credit bureaus unfreeze my accts on the same date in XX/XX/XXXX. I only needed 3 days. XXXX and XXXX refroze the account w/I the 3 day timeframe just as I had asked. I discovered this today XX/XX/XXXX through the XXXX website. 

I immediately contacted Equifax to have the account refrozen. However, I am unable to access the Equifax account. I no longer have the email address or the phone/phone number. My physical address isn't the same either. If Equifax had done what I had asked it to do in XXXX, this problem today would be non-existent. I jumped thru Equifax demands, answered it's questions correctly. My cell phone was unable to grab the XXXX nor upload my XXXX. It had something to do with opened apps that have camera access. I have denied camera access yet learned that for the most part the apps with camera access are grayed out which means that as a consumer, I have absolutely no control over those apps. I am a XXXX XXXX customer. Those XXXX apps were predetermined by XXXX. At best, I can merely disable them. There is no way that I can delete them although I have done my best to do so My interest here is for Equifax to Freeze access to XXXX acct. 

Thank you CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, 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:
My problem is with Equifax credit agency, I have on numerous times reached out to them explain am a victim of identity theft and sent the affidavit from the FTC still they will not remove these negative accounts. I have asked them to send me a copy f the contract, still nothing just them saying it's been verified, really how, give me proof so I can go to court and show the courts. still nothing. The negative accounts reporting on my Equifax account are XXXX XXXX XXXX 's XXXX XXXX XXXX they are inaccurate and is affecting me mentally and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed several disputes in attempt to have this account deleted from my credit report. One credit reporting agency deleted this account and the other two will not remove this account, I do not believe the other 2 reporting agencies have investigated this issue. If so, why isn't it deleted on all 3 bureaus Transunion is reporting XXXX XXXX acct # XXXX XXXX is reporting XXXX  acct # XXXX This information is incorrect and should be deleted by the remaining bureaus

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 2023-12-11
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:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I need these accounts with incorrect information that are not mine to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a letter from the XXXX XXXX XXXX saying that my loan was being President Biden paused student Loan Payments until XXXX or until a decision is made by the Supreme Court. I work for a nonprofit. My loan servicer XXXX XXXX XXXX ( XXXX ) ignored the approved pause by the president and reported my student loan as severely delinquent to all three credit bureaus. I immediately sent XXXX a copy of the letter I received from the Department of Education and they just ignored it as they did the President 's pause. 
As a result, my credit score has dropped XXXX points, and my banks and other financial accounts have increased the cost of doing business and interest on my account. 
Even though it is a hardship, I paid two additional payments to the account. To try to avoid this financial train wreck ' until I can find an attorney to address the detrimental effect on my financial reputation Their blatant disregard has had detrimental to my livelihood. 
Please help me with direction on this.

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 2022-12-21
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: Problem with personal statement of dispute

Complaint:
I have several late payments on the XXXX account that should no longer be reporting ( I have sent several letter to the bureaus with multiple errors ) These are notorious errors that, according to the FCRA, must be eliminated and have not yet been done. 
I give the bureaus 7 days to update or delete all those late payment marks on the XXXX account that affect my credit report. It's been more than 60 days, they've had enough time and they haven't done it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZE THE NEXT INQUIRIES : XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX CARD DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  XXXX XXXX INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX DATE OF XXXX XX/XX/XXXX CREDIT BUREAU XXXXXXXX XXXX DATE OF XXXX XX/XX/XXXX CREDIT BUREAU XXXX XXXX  DATE OF XXXX XX/XX/XXXX CREDIT BUREAU 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 2022-12-21
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company contacted me illegally with my personal information stating that I owed them a debt, they did not provide written consent to contact me or furnish my private consumer information to consumer reporting agencies, they violated my rights, please do not contact me about debt that is not mine, I did not sign any contracts with this company for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRUIST FINANCIAL CORPORATION
State: KY
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 XX/XX/XXXX, my debit card was used 6 times without my authorization. I had my physical card on me. I disputed all 6 charges to the bank, but was only returned 3 of the 6 charges. The bank says the other 3 charges are not fraudulent. I also filed a police report. That theft identity # is XXXX. The charges are listed below : XXXX WA- {$19.00} ( Disputed and returned ) XXXX XXXX XXXX FL- {$100.00} XXXX Disputed and returned ) XXXX XXXX XXXX XXXX  XXXX FL- {$9.00} ( Disputed and returned ) XXXX XXXX XXXX XXXX, FL- {$850.00} XXXX Disputed and NOT returned ) XXXX XXXX  XXXX XXXX, FL- {$4000.00} XXXX Disputed and NOT returned ) XXXX  XXXX XXXX XXXX, FL- {$69.00} XXXX Disputed and NOT returned ) I was at work in XXXX  XXXX, KY on this day, and also used used my physical debt card at XXXX in XXXX XXXX this day. There is not even a way for me to be in both of these places the same day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
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 information incorrect

Complaint:
I have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, TRANSUNION AND XXXX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.

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