BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: Experian Information Solutions 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:
I have been trying to make accout on Experian.com for a while now and it always says information doesn't match and asking me to write them a letter. I am never able to login on Experian.com to my account because my information doesn't match with their side. I didn't bother with this much until I recently came across with a new problem. 

I am studying to be a XXXX XXXX and recently I am trying to signup for IRS services and in order to gain access to IRS services they verify identity by using Experian credit reporting services. Again the INFORMATION I AM PROVIDING NOT MATCHING WITH EXPERIAN. I wrote Experian a letter about this and included photo copy of my Driver license and Social security card. Upto now they still not able to find and correct what's wrong and there negligence is affecting me financilly since I am not able to persue with my carrier and will not have access to file tax returns with IRS in the upcoming season if EXPERIAN don't fix this soon. IRS want me to talk to Experian about this and Experian is not taking this seriously. They must find out what is wrong on my credit report and why it's not matching. Please help. 

Please note : IRS doesn't have any other alternative, I must go through this security process and Experian in not coaperating and not taking steps in reasonable manner to correct this. 

Thank You

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 2022-11-08
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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: NV
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:
All inquires submitted below are a result of identity theft. I recently discovered through my new monitoring service them being reported I made efforts to remove these accounts from my file as they do not belong to me. All inquiry accounts were a result of fraud an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

INQUIRIES : 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 2022-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX card inquires on XX/XX/XXXX and XX/XX/XXXX Chase card inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX   inquiry on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Capital one card inquires on XX/XX/XXXX and XX/XX/XXXX XXXX card inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX   inquiry on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Yesterday I opened a piece of mail from American Express ( already a couple of days old ) and it was a letter stating that my application was being processed. I never applied for an American Express card so I called the fraud department and spoke with XXXX. They froze the application. The email on the application was not mine but instead was XXXX. I filed credit freezes with 5 major credit reporting companies and also filed an initial fraud alert. I looked at my credit report and it shows recent ( XXXX/XXXX/23 and XX/XX//23 ) inquiries using my phone number but an incorrect address of XXXX XXXX XXXX XXXX XXXX, WI XXXX. Aside from American Express, there were also non-commercial offer inquiries made by XXXX XXXX and XXXX. I contacted both and verified that there were no open accounts or open applications. 

I suspect that my information may have been leaked through accessing my account on SAM.gov. I received an email from them about a week ago indicating that someone had updated my profile posing as an employee with an email of XXXX. I logged in and checked my account and found no abnormalities, but it does contain sensitive information such as addresses, phone numbers, and SSN/EIN. I had two-factor authentication in place but I changed my logon credentials immediately anyway. On their website they had a message about an erroneous alert to multiple administrators regarding account updates. Still, it's odd to provide a XXXX email address in the email alert. I now plan to contact the Federal Service Desk to see if they can give me more details on what was accessed or changed in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
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: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Please remove/block the following items below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-03-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX deposited XXXX checks ( {$3000.00} + {$3000.00} ) on XX/XX/XXXX and XX/XX/XXXX into my Hungtington checking account. These checks were returned and later they were considered faked. 

And then, {$2500.00} was transferred to unknown receivers through XXXX without my permit on XX/XX/XXXX. XXXX XXXX visited a branch and called the customer service for the scammed transactions, but Hungtington bank didn't take actions to investigate and stop the fraudulent transaction. Another {$3500.00} was transferred through XXXX XXXX transactions to XXXX strangers on XX/XX/XXXX. 

XXXX XXXX called the bank to appeal the transactions on XX/XX/XXXX. 
The bank denied the dispute ( Ref # XXXX ) on XXXX transactions ( {$3500.00} ) on XX/XX/XXXX by mail. 
XXXX XXXX requested the documents on which they made the decision and appealed the dispute again. The bank did not give me any response so far. 

When the faked checks were found, the Huntington bank didn't take actions to stop the suspicious transactions which led to the loss. XXXX XXXX appealed an explanation and documents why the dispute was denied, the bank didn't give me a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
according to consumer rights, there are several violations, please address violations.along with blocking and removing from 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax repeatedly said that my account was locked and to contact them. Here 's what I wrote to them : Dear Equifax : I am writing to request that my account be unlocked. Attached is my social security card, driver license and bank statement. 

On XX/XX/XXXX and XX/XX/XXXX, I requested this be done by mailing two letters addressed to Equifax XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX with those attachments. I called and was told that the first letter was not received so I sent a second one. Again, I called and was told that the second one was not received. Then I called four times in the past year requesting my account be unlocked and your document verification software failed. On my XX/XX/XXXX phone call, I was transferred to a technical support person could not help me so he gave me XXXX # XXXX and said I'd hear back in 7-10 working days. I did not hear anything back. On XX/XX/XXXX, my request was escalated to a representative who tried to activate a new account with my work email : XXXX and that failed. He told me that he assigned XXXX # XXXX and I would receive an email in 7-10 business days with the findings. I never received such an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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:
I paid my mortgage and second mortgage off in XX/XX/2022. I sent the payoff notice to the credit reporting agencies and there has been no update. XXXX and XXXX returned the dispute as certified correct. Which is a violation of the FCRA and was in fact incorrect. The information has been submitted numerous times and no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: PA
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:
according to consumer rights, there are several violations, please address violations.along with blocking and removing from 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 non-monetary relief
Consumer complaint received 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is reporting adverse information to third parties which has compromised my credit report and other reports that reflect information about me. 

The information has restricted my ability to obtain credit primarily for personal family and household purposes. 

When I entered the consumer transaction, I completed and submitted an application in accordance with Federal Reserve Act section 16. 

I was billed for several months in an attempt to collect a debt, without adequate notice that I had the right to dispute the debt. I should have never been billed. And should have received adequate notice which would inform me about the use of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Self Financial Inc.
State: IL
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:
I received several alerts this morning regarding my credit report. I have a significant decrease in my score... XXXX points decrease ... .why??? The ONLY change was XXXX adding an account to my report.. I NEVER ONCE asked XXXX to add another account or card and then to my report another card! In fact when I saw this upon logging in the XXXX I contacted support right away. I have my emails. I want my account fixed ASAP. I am in the process of underwriting. This is not at all acceptable. Companies should not get by doing this, charging me to help my score and as the attached proves it's actually hurting my score. I expect this to be fixed it ASAP. I don't want one of their emails with it's only temporary or not to pay attention to XXXX XXXX etc ... Because that's what I get back from customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX Balance : {$1500.00}.

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 2023-11-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please Delete this from Credit report this not mine SYNCB/AMAZON XXXX XXXX XXXX XXXX, FL 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 2023-04-24
Company: Experian Information Solutions Inc.
State: NY
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-03-24
Company: Continental Finance Company, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This was with my XXXX XXXX Account ending in XXXX XXXX XXXX. I had fradulant charges in this amount of {$440.00} on the statement ending XX/XX/XXXX and {$130.00} on the statement ending on XX/XX/XXXX. 

I was issued a credit of {$230.00} on XX/XX/XXXX and {$210.00} on the XX/XX/XXXX statement. 

This leaves a balance of {$120.00} of fradlant charges on my account. I have written them twice about this matter and they reply " we consider your claim resolved and we are closing out file '' I have written them many times regarding 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 explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
Company: Experian Information Solutions Inc.
State: TN
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:
EXPERIAN IS ALLOWING XXXX AND XXXX TO REPORT THE SAME COLLECTION ACCOUNT WITHOUT THE PROPER VERIFICATION. EXPERIAN CAN NOT REPORT THAT THERE IS AN ACCOUNT WITH XXXX  FOR {$13000.00}. THEN THIS ACCOUNT WAS BOUGHT BY XXXX AND IS REPORTING IT FOR {$14000.00}. I DEMAND THE PROOF THAT MYSELF XXXX XXXX HAVE ANY CONTRACT WITH XXXX  AND XXXX FOR THESE AMOUNTS. THIS IS HARASSMENT TO REPORT THESE TYPE OF TRANSACTIONS WITHOUT THE PROPER DETAILS. HOW MUCH DID XXXX PAY FOR THE CONTRACT? I DEMAND THAT EXPERIAN PRODUCE THE WET INK CONTRACTS FOR AVANT AND XXXX ACCORDING TO THE FAIR CREDIT REPORTING ACT 609 ( a ) ( 1 ) ( A ) or DELETE THESE TWO ACCOUNTS FOR HARASSMENT. EXPERIAN CAN NOT ATTACK MY CREDIT FILE WITHOUT PROPER LAWFUL PROOF!!!!!!!!

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 2020-03-14
Company: FRESNO CREDIT BUREAU
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: Credit inquiries on your report that you don't recognize

Complaint:
This debt does not belong to me. Its an ongoing issue with fraudulent accounts appearing in my credit report. First it was XXXX, however now its trans-union. This account is from CBR USA. I have intentionally refrained from using credit as I am a XXXX  veteran.

Company response to consumer: Closed with explanation