BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: Lending Club Corp
State: GA
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 disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XX/XX/2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of XXXX. For some odd reason, XXXX is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved. 
Thanks a lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased a couch in XXXX from XXXX XXXX XXXX using their credit card. The couch consisted of three different sections. Two sections were delivered in XXXX and the other section was delivered in XXXX. The original agreement was for 18 months no interest if paid in full by the end of the term. I set up recurring payments from XX/XX/XXXX to the present day. I've done this multiple times in the past with other furniture from the same company ( XXXX XXXX XXXX ) and have always paid the full balance at the end of the term. The first term for this purchase ended on XX/XX/XXXX, and the next term ends in XXXX for the other section delivered later as described above. I paid the amount in full for both the XXXX and XXXX terms on XX/XX/XXXX which totaled : ( {$1900.00} ). Unfortunately only the minimum recurring payment of {$67.00} was applied in XXXX. I'm not sure why the entire amount didn't go through. I noticed this discrepancy on XX/XX/XXXX and called the company immediately to discuss the situation and resolve the balance due. I paid the full amount remaining on the original purchase of ( {$1800.00} ) while on the phone with the representative to ensure the final payment did go through. I'm am now being charged ( {$980.00} ) in accrued interest. I called to see if they were able to waive this accrued interest fee since I did attempt to make the payment on time in XXXX and did make the final payment in full within threXXXX weeks of the original due date. I was advised to file a dispute for the interest being charged. I'm being told there will be a waiting period of up to 90 days before I hear a decision. I've been a loyal customer for many years and have always paid my bills on time with this company. I'm very upset that they are not willing to work with me and have me sweat out the two billing cycles to see what comes from this dispute which I'm sure will ensure additional interest and late fees. They did tell me that they would have waived the accrued interest fee if I called within two weeks after the due date, but since I was a week late, there was nothing they could do to help. Any help is appreciated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on 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 2023-10-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( CREDIT COLLECTION SERVICE ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following corporations XXXX XXXX, XXXX XXXX  XXXX, and Discover Bank are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX XXXX XXXX XXXX XXXX and Discover Bank must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as XXXX XXXX XXXX XXXX XXXX  and Discover Bank themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX  to be included in your consumer credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Equifax has violated my nghts.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer didnt consent. 

The following account on my Equifax XXXX XXXX credit report does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I amassed an outstanding debt of {$3300.00} with my leasing company. It went to National Credit Systems , Inc. for collection. I was contacted via phone in XX/XX/XXXX. Payment arrangements were made and began in XX/XX/XXXX. No written documentation was received concerning verification of said plan at that time nor was any other confirmation sent ; however, payments did begin as scheduled. For some reason, the auto-payments stopped in XXXX and I did not notice until XXXX. At that immediate time, I called NCS to rectify the situation. I was told, after much verbal abuse, that I had been informed the payments would stop after 6 months and that any derogatory reports to credit agencies would not be removed. Keep in mind that NO written notification was sent NOR any voicemail left to continue or restart payments. At this time, in XX/XX/XXXX, I disputed this. Then, in XX/XX/XXXX, I requested a copy of the phone transcript which would prove either my stance or theirs ( NCS ). NCS refused. 

Those derogatory reports have negatively affected my life and I strongly believe if such reports are going to be made and defended, documented proof must be provided to the consumer, i.e. phone transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 notice unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

- 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 2022-12-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am going through the foreclosure process. The last two statements include late fees and I have not received the closing documents with both parties signature. I requested them in writing in XXXX. When I get documents a lot of information is missing or not provided. 
Errors have been made in the payment history. All documents needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/22 chime closed my account and for days prior to that my account t had been frozen so I had no access to my money and then they closed and kept all of my funds in my checking and savings accounts. Total amount in my savings was {$100.00} and XXXX dollars in my checking account. 
They said I violated their user agreement but I provided them with the receipt proving that it was my money and that it was deposited to the right account. And they said that wasnt good enough and stated that until I show them proof they wouldnt refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
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 Recently went to apply for my first home. My agent suggested me to download XXXX, from there i noticed an extreme amount to hard inquiries that i did authorize, and that i had damage to my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. This is a defamation to my Character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
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 strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a XXXX XXXX ( XXXX ) on XX/XX/23. As I had frozen my credit reports with XXXX XXXX, XXXX and XXXX through Lifelock the application was denied as I had to lift the freezes. I was successful with XXXX XXXX on - line and by phone with XXXX but not Experian. I repeatedly attempted to contact Experian via phone, on - line and then finally obtained direction to contact them by mail- which I did on XX/XX/23. As of this writing I have heard nothing from them and still my credit report remains frozen. I received numerous letters from XXXX  re status but Experian remains the problem. There is no person to talk to, no way to get past the problem and I need my credit unfrozen. If there was a need for a major purchase what would I do? 
May I add that I have a credit score over 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 2022-12-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
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 have XXXX loan home moergage i Never choose this company but XXXX XXXX Sell my loan to XXXX MORTGAGE these are very unprofeesional Not sending Correct Report to CREDIT BEAURE EVEN MY MONTHLY PAY MENT NOT REPORT last XXXX months my another bank denied to increse my credit line they said you have high mortgage payment not paying on time when i call XXXX  they threaten me even and they said you call them tell them credit beaure Credit beaure said we are not listing customer we listing bank we work for lender not for customer XXXX  SOUND LIKE THEY ARE XXXX for XXXX XXXX they sent report loan moidification but not ask me for escrow payment 1.. please update monthly payment to credit beaure no HIGH Balance and if possible seel my loan to another bank i hate XXXX mortgage name very shamefull peoples well trained to excuse andd threat to customer

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 2022-12-26
Company: EQUIFAX, INC.
State: NY
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 MISSED A DOCUMENT ON THE LAST COMPLAINTS. DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX AV XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Credit cards opened by thief : XXXX Account Number : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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