BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
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:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Please delete these accounts ASAP.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} CHAPTERXXXXBANKRUPTCYDISSED

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 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to file a dispute with Transunion multiple times over the last few months on their website. Their initiate dispute feature has been down consistently in that time. Further, a dispute I previously submitted has not been dealt with. I attempted to call to get some information about what was going on and the representative was unhelpful and unable to answer my questions. I was not notified in writing about any status update or closure at any point. How is it that I am unable to rectify incorrect credit information with a company whom I did not consent to doing business with in the first place? I find it interesting that this company can just collect data, including sensitive personal/financial information, without having been given my consent and then continue to operate without any repercussions when they fail to protect the very information that dictates our financial freedoms. How they can continue making it extremely difficult to correct false reports on the phone with people who do not reside within the country they serve and hardly speak the language of the very customers they are there to help. My last dispute was never resolved, updated, or followed-up on and I have been unable to file a new dispute regarding an account I have never seen before. Federal law seems to only apply to citizens, not companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-05-30
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A local ( XXXX, Mn Branch ) Us Bank Branch banker ( XXXX ) called me to solicit opening up a CD around XX/XX/2023 under a promotion with a XXXX APY for 11 month term. She sent me the application link via email and i completed it while on the phone with her. When we got to rates I questioned why the rate I saw was XXXX APY side said oh thats the current promotion ; however, I am submitting a special pricing request that is done with a form to my [ regional/district? ] Manager they approve it and then you will see it on your account. I work at a bank, familiar with this process, it is not uncommon so I felt comfortable proceeding. She committed to emailing me when she got confirmation of the approval. I did not receive email, but waited. The first month interest got paid. Still no change in interest. I called XXXX at the number she provided and left message and my number she never responded. 2 weeks later again called back left message still no call back. XXXX or so weeks later I called the main Us Bank customer Service and asked to file complaint and they said someone would call me within XXXX Business days and no one did. I called again on XXXX XXXX ( 2 months after opening CD, still at XXXX APY ) and asked to file another complaint. They had no record of my first complaint because they do not have a complaint system and no notes were on my account. They again said someone would call me in XXXX business days and no one has contacted me. I attempted calling Branch, but it rolled over to the main customer service line. At this point Im upset 1 ) that the banker misled me to opening the product up at an APY that was not valid ( Sales practice misconduct ) 2 ) the fact that US bank does not have a way to properly catalogue, remediate, and disposition customer complaints. 3 ) the lack of follow up, run around and transparency provided to me from the financial institution 4 ) lack of timelines and number of times I have had to make contact and still have no answers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
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:
XXXX XXXX is reporting an inaccurate account on my credit reports that I have been disputing for some time now. This account is reporting open but there have been consistent late payments reporting each month when the monthly payment for this account is showing as {$0.00}. How is the account late if there is no monthly payment owed? Further more, there are reporting that payments were captured in the same month that the account was late. How is this possible if there is a monthly payment of {$0.00} and if there was a payment made how can the account be late? It is the responsibility of the consumer reporting agencies to report accurate information and conduct a thorough investigations into disputes and this has not been done. The inaccurate and inconsistent reporting of this account has caused so much distress and for me to be denied when I am at no fault. The consumer reporting agencies are in violation in reporting this account per the FCRA and I am demanding that this account is deleted from my reports!

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 2022-05-16
Company: Affirm Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My sister took out a loan using my affirm account to buy some shoes for XXXX dollars through the XXXX I did not consent to her doing that, and all she needed to do was use my phone number without my knowledge. She didn't need anything else to prove it was me. No ssn, no security question, not even a password. The account the money is owed in is even in her name but going on my credit report. I called them after it appeared on my credit report on XXXX and they said this should be an easy fix because its in her name and that theyd send an email to let my provide evidence that she was a real person. I checked everyday for a week and they didn't send it. I called them again and they told me it was an email that only lasts 24 hours after being sent, but will randomly be sent somewhere between 24-48 hours. I again checked every day for a week before time ran out to provide evidence through this email cause they only gave me 15 total days. I also filed a dispute with XXXX  and they got back to me today saying that affirm told them all the information about how much I owe is correct. And the bill didn't get noticed till late XXXX because I didn't remember affirm and I still have no idea who the XXXX even is so in I figured the emails were spam, I get loads of those kinds of emails saying I won something or owe something. The only reason I remember making an affirm account was when I was XXXX, stuck in new jersey thought maybe I could get a flight payment plan, couldn't. But that's the only time I ever personally used it, 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had an account with Capital One for years. They solicited another offer which I accepted. I paid the balance in full as always and they placed a 30 day hold on my card saying it was for " internal processes ''. I asked if they could share in writing, they said they can not. I asked for the terms and conditions of my card, they refused to provide them saying I was them provided when I signed up. I show available credit of {$5.00} on a {$750.00} credit line. 

I asked who monitors credit card agencies, what federal agency. The agents supervisor told her she can not answer that question. 

Payment made XX/XX/XXXX {$710.00} Card available for use on XX/XX/XXXX per their hold which they refuse to share what the hold is for aside from vague " wait for payment to process answers ''. 

How is this helping my credit? Why can I as the card holder have no information on the hold placed on my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-05-30
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Good afternoon, We opened a XXXX credit card up with Citibank in XX/XX/XXXX. We have never been late on any payments since the opening, in XX/XX/XXXX There was a one time payment made out of one of our two checking accounts with XXXX XXXX We did not realize that this one time payment change the payment primary account to this checking account. The payments had always previously came out of another checking account that is supposed to be the primary account for the payments. When we made a payment XX/XX/XXXX of XXXX the payment came out of the wrong checking account and was turned back for not enough funds. When we found out that this happened we let Citibank know and had every intention on correcting it. When we made a {$4000.00} payment on XX/XX/XXXX, we called to make sure that everything was OK but when we looked on the app it showed that this credit card was closed. When we called to talk to a representative we got a lot of runaround with who to talk to you, we were sent to security, account, specialist supervisor. They told us that nothing could be done until we receive the letter in the mail, stating what the reason why This account was closed. So we got the letter in the mail and we called back thinking that we would be able to address the reason our account was closed. That was not the case. We were then given the runaround again and given to an account specialist supervisor who then said there was nobody above him to talk to and that the account was permanently be closed. He said there was no way we could talk to a supervisor above him, and that the credit department receives no phone calls whatsoever. What our concern is that this was a mistake that happened one time and now our credit is on the line. We do not feel that this is a good business practice for credit card companies to be able to close accounts when there is no dialogue with the consumer, theres no appeal process with a consumer, A one strike youre out policy that directly affects your credit. Then they proceeded to tell us that they cant open that account back up, but we could apply to open a new account with them. We simply want the ability to speak with a supervisor, Or somebody at an admin level instead of being told that its a systematic response that Gives no ability to the consumer to have an open discussion with the administration of CITI to discuss the mistake that happened. This process does not give the consumer the ability to defend their credit. This would potentially be something that will be on our credit for the next seven years in the state of Oregon. 

Thank you, XXXX and 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 2022-05-16
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:
Sent Police Report along with FTC identity theft affidavit identity to Experian ( twice ), XXXX, and XXXX. The Accounts were removed by XXXX and XXXX. Experian has failed to remove the accounts, and have also failed to provide to me the investigation process and details used to verify the accounts, which is information I have the right to, under the FCRA 609,611. Experian is clearly in violation of FCRA 609 and FCRA 611. Even after receiving a request to delete the account, Experian is still reporting the fraudulent account on my Experian credit report. If they do not remove the account, I will be force to pursue legal action against Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report 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 explanation
Consumer complaint received 2020-06-12
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-05-30
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, V, XXXX filled a case against me through XXXX XXXX XXXX XXXX XXXX ( XXXX, KY ) in XXXX and I just received a summons from the sheriffs department on XX/XX/XXXX, threatening to serve me at home or my place of work. All information they presented is very inconsistent with the paperwork I have dating from XXXX and send to the debt consolidation company ( XXXX XXXX ) in XXXX, which was when the debt occurred. In summary, there was XXXX different account numbers with XXXX different amounts. Also, there is nothing reflecting in any of my XXXX credit bureaus for this collection agency, XXXX XXXX credit agency OR JC Penny Synchrony Bank. Timeline is as follows : On XX/XX/XXXX a letter was written to me from Synchrony Bank stating the card ending in XXXX was sold to XXXX XXXX XXXX. XXXX, FL Amount is XXXX. Stated it sold on XX/XX/XXXX. 
XXXX of limitations is 5 years. This would put max collections at XXXX, if I am tracking correctly. 
This was sent to XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX received email from XXXX stating debt for XXXX XXXX ( JCP ) was added to plan. 
Letter received from XXXX XXXX  XXXX on XX/XX/XXXX sold to XXXX XXXX  jumping to XXXX and ending in XXXX. A copy of this letter was sent to XXXX on XX/XX/XXXX. 
Received letter from XXXX XXXX XXXX on XX/XX/XXXX to pick up documents, which I did on XX/XX/XXXX. Documents reflect old statement balances from XXXX of XXXX with account ending in XXXX. 

XXXX letters/statements : Different Account # XXXX and Different amounts XXXX XXXX Acct. XXXX {$690.00} XXXX XXXX Acct. XXXX {$820.00} JC Penny XXXX XXXX XX/XX/XXXX Acct. XXXX XXXX {$780.00}

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 2023-05-30
Company: EQUIFAX, INC.
State: PA
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 emailed the department or education/XXXX and also filed disputes with all 3 credit bureau XXXX My student loan has been in deferred for years now. How can they report ok XXXX and XX/XX/2019 then all of a sudden report 90day late XX/XX/2019. I was not 90 days late I was deferred but also you can not jump to 90 and skip 30 or 60 day. This is incorrect reporting and needs to be deleted or updated to never late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.

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