BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: VA
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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX TX opened XX/XX/2018 for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I'm reaching out regarding these fraudulent items for assistance to REMOVE them from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: AFNI 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: Their investigation did not fix an error on your report

Complaint:
XXXX  collections on my report are wrong and should never have been put on in the first place!  1  )  XXXX   XXXX  proof of state health insurance ( due to  XXXX  ) in  XXXX   XXXX  and explained that the original creditor failed to bill.  XXXX  refuses to verify this info with   XXXX   and   XXXX    ( I d o n't know about experian ) in which both companies refuse to remove without the verification . 2 )  wrongfully billed in  XXXX   XXXX  by  XXXX   XXXX   XXXX  when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of  XXXX  installation date. Very few disputes are taken at a consumers word and companies like  XXXX   XXXX   XXXX  can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to the 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 instruction.

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 2017-05-15
Company: BARCLAYS BANK DELAWARE
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 told Wyndham Rewards and  XXXX   XXXX   ( Barclay 's cards ) to  closed my accounts in order for them to stop charging me {$400.00} in late fees and interest in both cards and they told me that they will continue doing so until I pay them off. I think that they are wrong because when an account is closed is not supposed to be added more late fees and interests.

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 2019-01-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage for a investment property I originated in XXXX with Chase Home Mortgage and I was a prime borrower and received a subprime high interest rate of XXXX percent. I have knowledge at that time I was mistreated during the origination process. 

In XXXX, I had a escrow account and my loan was transferred with a negative escrow per Chase Home Mortgage to my new Servicing Company and I did not elect to not have escrows which was part of my modification agreement. 

Now that my taxes have not been paid according to RESPA guidelines to assist borrowers. A tax buyer has purchase my XXXX taxes in the amount of {$10000.00} and will be purchasing the XXXX taxes and If those taxes are not paid I will loose my property. 

I can not afford to pay these taxes to save my property. This is why when I did a modification to help me to get back on track. My taxes were included and I did have escrows. 

I have been in contact with Chase Mr. XXXX and no resolution to my matter and it is not my new Servicing Issue because they were only notified of the negative escrow not I had a escrow account and I have been struggling to pay this mortgage for now for 18 years and I am owed from Chase per the court records. 

I was a prime borrower and received subprime interest rates and that leads me to be treated unfairly and I am owed that money back for the discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Sterling Credit Corp.
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:
I had an account with XXXX, which Sterling Credit Corporation took over. I paid Sterling Credit Corporation XXXX by certified check on XXXX, which they stated in their payoff letter that I would no longer be held responsible for the remaining balance. This reports to all three credit agencies as a balance owed of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: NC
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 XXXX Account # XXXX XXXX XXXX, has violated my rights. 

1

5 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 explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX on XX/XX/2022, 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: URS Holding, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have receiv ed two differ ent letters from  XXXX  different debt collection companies for the same debt originating from  XXXX   XXXX   XXXX . I receiv ed one lette r from  XXXX   XXXX    XXXX   on  XXXX / XXXX /   2017  and I also received another letter from from Alltran Financial , LP on  XXXX / XXXX / 2017 . the amount on both account is  XXXX  which it is not accurate at all. I dont know which one actually owns the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I had set up an automatic payment account through my bank account for my crate and barrell/syncb credit card. I had the card to make a one time purchase and had set my bank account to pay the minimum. 

An error had occurred with my bank account which caused the automatic payments to stop but I hadn't received any collection calls from crate and barrell and assumed that the statements were current given the automatic payments. Also I had moved and was not receiving the statements to my new house. 

I realized this was happening in XXXX when I received a notice of judgment from a collection agency. The account had over {$600.00} in late fees. I paid the amount on the collection notice in full at {$1700.00} on XX/XX/2022. Then I received an additional notice which said I owed an additional {$79.00} which I paid the day I received it on XX/XX/2022. According to statements that payment ( which was entirely late fees ) was one day late and was charged another {$40.00} on top of that. Since then the account has been accruing interest on that let fee ( the monthly late charged stopped after the last {$79.00} was received ) and is now up to {$70.00} again. 

Again I have only been able to get information from the collection agency as I was very confused as to why I still had a balance. After reading that they should not have let the original late fees pile up to the {$600.00} amount, not only would I like the balance reimbursed and made {$0.00} but I would like reimbursment from some of the interest I had paid, Could you please request this from the creditor?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/19 I placed an online order with XXXX XXXX. While placing the order a screen popped up stating that I was pre-approved for a store credit card and if I opened this card I would received 25 % off of my current order, and the screen showed how much my new total would be with the discount. I signed up for the new card solely due to the advertisement and discount. When My order was place the discount for the new card ( 25 % ) was not showing. I emailed XXXX XXXX to inquire about the mistake and was told that the discount did not apply to what I purchased ( even thought it was specially marketed to that order ). When I pushed the issue and asked for the discount I was promised and for the inquiry to be removed from my credit eventually they did provide the additional discount but did not remove the credit hit. I only opened this card for that discount which was apparently a false advertisement. I feel like this was a deceiving advertisement and would like for the credit " hit '' to be removed since the card was opened under false pretenses.

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 2022-09-29
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: Old information reappears or never goes away

Complaint:
I defaulted on a debt with XXXX XXXX way over a decade ago. After 7 years when this remained on my reports, I started disputing the report with the credit agencies. Instead of dropping from my report it keeps being sold and reaged. Please help!

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 2023-02-24
Company: EQUIFAX, 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:
It has recently come to my attention, someone has stolen my identity and has used it to open a line of credit with a company called XXXXXXXX XXXX XXXX I don't know who this person in nor do I know how they got access to my personal report. I have tried to dispute this account multiple times but the company keeps verifying this account belongs to me which it doesn't. THIS ACCOUNT WAS OPENED DUE TO A FRAUDULENT APPLICATION UNDER MY NAME. The below referenced account is the fraudulently opened one. 
XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX   XXXX     2014 I ap plied for bankruptcy. At which time the debt to  XXXX   Huntington Bank  for {$63.00} was listed in the petition. On  XXXX   XXXX ,  2014, the  debt was  discharged through the bankruptcy. This is still listed on my credit repo rt and   XXXX   XXXX   Report. Please adjust accordingly.     Case #  XXXX   XXXX   XXXX   XXXX   XXXX    Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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 submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
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 investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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 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 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 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2022-10-07
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Over the last several months it has become virtually impossible to access our online account with CIT Bank On one occasion we were able to talk with a rep that supposedly fixed it. 
I have the correct pass word etc. but can not log in. The help link just starts the process over an over again. 
The phone XXXX they provide for help, is the same # on my bank statements. 
When calling the number there is always a XXXX min. or longer wait time. 
I have banked ( CD ) with Cit Bank for many years, perhaps XXXX, and had no problems in the past until this started many months ago. 
We are retired on Social Security, and our account has a balance as of XX/XX/22, of {$260000.00} and I want to transfer it to our Bank account on record, rather than do any business with XXXX again.

Company response to consumer: Closed with explanation