BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed 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 non-monetary relief
Consumer complaint received 2023-01-29
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX, I spent over 4 hours trying to get a replacement for my expired XXXX Mastercard ending in XXXX ( expired XX/XX/XXXX ). I called the XXXX Mastercard Customer Service Center ( XXXX ) # ( XXXX ) on the back of my card, who told me I could not get my old Mastercard re-instated, and to go to : XXXX XXXX XXXX and press the " Apply Now '' button to apply for a new card. However, when I did this, I was sent to my XXXX account, where there was no link to a new XXXX Mastercard application. When I complained about this to XXXX, I was told to complain to XXXX Customer Service. I had XXXX Customer Service call me several times. Each time, they told me there was nothing they could do, and to call XXXX. I was put on hold numerous times, and dropped from calls several times. I have excellent credit, and have no idea why I was not sent a new XXXX Mastercard before the old one expired. 
Sincerely, 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 2023-02-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX is an account that is more than 7 years old. 

XXXX XXXX is more than 7 years old. 

XXXX XXXX credit is not my account. 

Neither of these XXXX items should be showing up on my credit reports according to the Fair Act Credit laws... XXXX and XXXX XXXX are more than 7 years old and should be completely removed from my credit reports and not showing up as closed they should be completely removed from Equifax, XXXX and XXXX... First Access has been sold to a third party and was not even mine to begin with, yet it is still showing on my credit reports... How many times must a consumer contact the credit bureaus before those at the bureaus abide by federal law and practices... I have put in complaints through your office at least three times ... .. Will you put a stop to the nonsense of the three credit bureaus that continue to put items on my credit that goes against the fair credit laws ..... Thank you for taking out the time to read my complaint... Have A Wonderful Blessed Day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
The account number for XXXX XXXX XXXX ( Account # : XXXX ) has incorrect late payment records. The three credit bureaus have reported different past due statuses for the same account and the same time period. This discrepancy in reporting is causing confusion and inaccuracies in 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 2023-06-17
Company: Experian Information Solutions Inc.
State: TN
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've recently contacted the company XXXX and Experian about fraudulent activities I recently discovered on my profile that they have control over. I contacted them and let it be known that this activity had occurred and that I had several accounts that needed to be disputed as well as my address along with my name on the profile as well. I have also tried to dispute directly thru the company website but I can seem to reach any accomplishments. On XX/XX/2023, I was able to dispute one item. once I checked my profile all other negatives has been updated. I've Furnished documents such as identity theft reports along with ID verification uploads for addresses.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX/ {$2100.00} / XX/XX/2019 XXXX / {$2900.00} / XX/XX/2019

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: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 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 inaccurate information on an 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. 

In XXXX XXXX  unauthorized and fraud charges were placed onto my account ( authorized user account ) in a foreign country where I was never there. 

Reported this to XXXX XXXX XXXX XXXX XXXX  and they sent out a letter after the investigation stating I would not be liable and that the account is closed. Unfortunately not all the credit bureaus are on the same page. Therefore it is still reflected negatively on my Equifax report which is causing my otherwise credit score to take an unfair dip and also reflects a balance amount that is delinquent but not mine. 

Again, this has been reported to XXXX XXXX and I also filed a report to the Identity Theft agency. Ive attached all the letters and documents to that stated facts. 

This inaccurate reporting has caused my otherwise perfect credit score to take an unfair drop in the score which could impact my ability to obtain credit, if needed for me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: General Motors Financial Company, Inc.
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: Account status incorrect

Complaint:
I have disputed this debt with the CFPB with this company on multiple attempts and directly with the company. This company has been unable to validate that I owe this debt and has not sent any documentation that I owe this debt. Yet it still on my credit report. I have validated the validity of this debt over 5 times over the course of the past two years, and it has not been verified. GM Financial is providing false and inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX  pertaining to a credit card with XXXX XXXX XXXX  acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, XXXX  and Transunion may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), this Notice includes Identification of the specific information being disputed Transunion, XXXX  and XXXX  reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status XXXX is reporting Charge-off, Transunion is Reporting Charged off as bad Debt, while XXXX  is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency XXXX  is reporting Bad debt/collection, Transunion is showing Not Reported, and XXXX  is reporting Charge off/Other Derog. On XXXX  Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on Transunion. Also, for the Close Date Transunion is reporting XX/XX/XXXX as a close date while XXXX  and XXXX  are not reporting a close date at all. For Date of Last Activity, XXXX  is reporting XX/XX/XXXX ; However, Transunion is reporting XX/XX/XXXX and XXXX  reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms XXXX  and Transunion are not reporting while XXXX  is reporting Revolving. Lastly, for High Balance XXXX  and XXXX  are not reporting anything while Transunion is reporting a high balance of {$450.00}. I have sent them excerpts of my credit reports showing how these accounts are reporting

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 2022-04-07
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had unauthorized activity occur on my debit card and money was stolen from my account at the ATM. {$1600.00}. i called the bank as soon as i realized i had money missing from my account and they filed a claim for me, and gave me provisional credit. Today XX/XX/2022 my account is now negative because they Reversed the provisional credit and i cant get through to anyone.. this is absolutely unacceptable as i thought my money was protected if it was stolen from me through Regulation E regardless if PIN was used.. Ive never had any issues with US BANK before.. 

My Bank Refuses To Give Me My Money 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 2022-12-12
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to express my frustration with Apple 's credit card and the lack of document investment coupons that are promised as part of the card 's benefits. I have made multiple inquiries to the company about this issue, but have yet to receive a satisfactory response. 
According to 15 U.S. Code 1681b, consumer reports can only be obtained for certain permissible purposes, one of which is " investigating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. '' Providing document investment coupons as promised is clearly related to a consumer 's creditworthiness and financial standing, yet Apple has failed to fulfill this obligation. Furthermore, the conception of this account was opened without consent. I applied for a credit card with Apple Inc and was initially denied due to my credit history. However, weeks later I discovered that a credit card had been opened. They stated that we made a mistake in denying the application.

I also want to bring to your attention that I have previously mailed a letter to the company regarding this issue, but have yet to receive a response. I understand that this is a serious matter, and I expect a prompt and satisfactory resolution to this issue. If Apple Inc., does not take the necessary steps to address this issue, I reserve the right to take further legal action. I am concerned that Apple Inc is not taking my concerns seriously and believe that the Consumer Financial Protection Bureau should intervene. I appreciate your attention to this matter and hope that you can help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2017

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 2020-08-30
Company: SYNCHRONY FINANCIAL
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:
HSN credit card closed recently without my consent witch it had negative impact on my credit report its been a very stressful time during covid 19 especially here in state of California why would the credit card close my account I have not used it because I at this time can't use it financially for me its not the right time to purchase items on HSN but there is no good reason for company to close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: MN
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:
Attached to this complaint is a letter from XXXX XXXX for XXXX XXXX, XXXX, and Equifax review. XXXX XXXX was unable to verify the accuracy of bankruptcy case number XXXX. XXXX XXXX is requesting for XXXX XXXX, XXXX, and Equifax to immediately review the attached letter to this complaint and delete and remove the public record of bankruptcy case number XXXX from my XXXX XXXX, XXXX, and Equifax credit report. Full Name : XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: MS
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/XXXX, I made a request to look at and have my credit report mailed to me. Although I was able to be take a look I wasnt able to have it mailed to me. I saw that on my report there was serveral inquiries STILL on my report after I disputed it with the cra saying they dont belong. I was told that my disputes was frivolous, which made me feel very inhumane. How can you say that when you know all the things this report is use to obtain. I cant apply for a home loan because of this not a car loan because all the inaccurate information on my report. Inquires on my report has been furnished without my consent and has no permissible purpose which is a direct violation of 15 USC 1681b ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). Remove every inquire on my report that is not connected to an account. I also noticed that a collection account has been reinserted on my report without verification nor letting me known which is a violation of the FCRA. Investigation reports must included sources of interviews of family and friends which it did not and is a violation of the FCRA. Also I was never given a chance to direct information on my credit report which is also a violation of FCRA, 15 USC 1681a ( XXXX ) ( A ) ( XXXX ). This CRA has violated my privacy by furnishing private information about me without my consent or lawful authority. With this inaccurate information on my report I have not been able to be approved for any personal loan to help my family situation. It has caused me so much stress and sleepless nights. Ive been trying to get them to understand for months with no response. It is not fair to have to go through this when it is not my fault and no one gets in trouble for it. I will not stop until they suffer for causing me and my family such pain and suffering. It is not right and I as a consumer dont deserve to be treated this way and lied to nor lied on.

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