BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am requesting that CFPB take Amazon Synchrony off of all of my credit reports ( except for my proof showing payment to Synchrony ) because they are illegally charging me XXXX XXXXXXXX for a payment I already made back in XX/XX/2022 in the amount of {$39.00}, and I had already canceled this account right after. 
I need all credit reports to stop this company from collecting/charging me fees and interest charges for this account which I already canceled almost the same day I purchased my grandson 's books. Amazon/Synchrony continues to add late fees, finance charges, and {$40.00} every month to my account. 
I have submitted my copy of my statement that proves that I have made the one payment charged to this account ending in # XXXX, but Amazon / Synchrony refuses to accept it so that they can continue to charge me $ XXXX. They also refused to cancel my account stating, " we do not consider it closed. '' I'm tired of them and they are ruining my credit. PLEASE SEE THE COPY OF STATEMENT BELOW : ( If you notice it is in the same order on Amazon showing order details, order # and what account paid for it ending in # XXXX. Had it not been paid in full Amazon/Synchrony would not have sent my grandsons books. They will not send you your products without full payment. THE ACCOUNT WAS ORIGINALLY {$39.00} and WAS ALREADY PAID IN FULL. I THEN CANCELED IT AFTERWARDS. They will not stop charging me. Please Help! 
Order Details Ordered on XX/XX/2022 Order # XXXX View or Print invoice Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States Payment Method Amazon.com Store Card **** XXXX Order Summary Item ( s ) Subtotal : {$36.00} Shipping & Handling : {$8.00} Free Shipping : - {$8.00} Total before tax : {$36.00} Estimated tax to be collected : {$2.00} Grand Total : {$39.00} Transactions XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXX PM ( 7 days ago ) to Synchrony, Amazon

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 need this to be removed These Inquiry affect me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect

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 2023-05-06
Company: Experian Information Solutions Inc.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I Co-Signed a Student Housing Loan for my daughter to attend XXXX XXXX area and live in their affiliated apartments. Checks in amount of {$20000.00} plus interest rate now has the loan at {$30000.00}. 
Navient or Sallie Mae have not provided me the original loan documents with my signature on it. 
Disbursements were made in amount over {$13000.00} in XXXX. I don't know where the funds went to and my daughter was not in housing in XXXX. 
I fulfilled the orginal loan terms to release co-signor in XXXX and now Navient has several stipulations and demand were they know my daughter can't produce to release me. 
I can't get any answers to solve this issue. No cooperation from anyone and I'm at the point where I can't afford interest payments that total {$200.00} and more a month not including the payment and Navient reported negative past dues on my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
DELETE XXXX XXXXXXXX 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 XXXX XXXX I DID NOT GIVE REPORTING 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In or about XXXX of XXXX I received notice that Capital One was closing my credit card account. On or about XX/XX/XXXX Capital One issued me a check for the balance of my security deposit ( This was a secured credit card ) less the balance that was to be paid off. 

On or about XX/XX/XXXX I received word that I had a balance on my card. Now, at about this time I was out of the country so I just made a quick payment, thinking that I just forgot to pay it, somewhat forgetting that I had received a check with the remainder of the balance. 

Since then, I've looked into this more and realized that my account had received multiple charges in XXXX all the way into XXXX of XXXX. Now, my account was CLOSED. I did not close it. Capital one Closed it. So in my eyes, I had no balance, I had forgotten about this card, and now my credit score has tanked because I've missed payments. But, again, the account is CLOSED! So why are charges being made to the account???? I did NOT authorize any charges after the account was deemed CLOSED by the bankl

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX WITH ACCT # XXXX OPENED ON XXXX WITH A CREDIT LIMIT OF {$3700.00} -THIS IS NOT 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 2022-12-06
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: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my credit report from the state court of Tennessee. This account does not belong to me. I have sent several letters to the credit bureaus to fix this error. On my first attempt I received a letter stating that error was verified. I ask the bureaus to send me how they verified the bankruptcy and they did not send me a proper response. I sent a letter to the courthouse regarding the bankruptcy to explain how they are actually verifying a bankruptcy that does not belong to me. They sent me a letter stating that they do not verify bankruptcies nor have then been in contact with the credit bureaus. I then sent the correspondence I received to the credit bureaus XXXX separate times and have not received a response. I am writing your office today in hopes that you can help me to correct this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a debt collection notice in the mail from Dynamic Recovery Solutions in connection with several other debt collection agencies known as " XXXX XXXX XXXX ''. I don't know what this means I find it misleading as a consumer. Regardless, they are trying to collect on a debt from a company I have never done business with. I am requesting that they please prove that this debt even belongs to me and consider this my request for validation and verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-07
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2018-04-21
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 was told this loan was going on my G I bill related to my military service. I did not attend after I was place in the class that had no bearing on photograph. I returned all the equipment and never cashed any checks. i am still being billed by this school. I have contacted the and asked for documentation of payments and checks cashed but the school hasa been unable to provide me this information. They are committing fraud because I never attended past a few 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 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have a capital one card that has a hi balance and I never opened it or used it but I know we didnt have someone living in our house who always stole my stuff. Im going through identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Dear CFPB Team : I felt victimized by the syndicate of Bank XXXX XXXX XXXX times now. 

Even though I login securely to my US Bank ( usbank.com ) account & did my XXXX transfer there on XX/XX/XXXX to my legitimate recipient, still she did not receive the money about 7 business days after. The US Bank website disclosure promised in the that the funds will be received in minutes or on standard way is XXXX business day. 

Immediately after I confirmed and it the SEND button, the USBank N.A. website displayed a message to me that the funds was SENT ( please see the screenshot attached ). 

It has been a week now, my funds was taken from my account but never got to my intended recipient. 

I called the # USBank to file a FRAUD claim but they were giving me a cold shoulder as if I am blamed for authorizing the transfer even though, US Bank introduced me to XXXX tool and that my recipient is not a scammer as she was my assistant. 

Today, since I filed for a FRAUD with US Bank N.A. they said that they may deposit a provisional reimbursement only after 10 days from the time I filed for this FRAUD complaint. Also, my business account that has been opened since XXXX has to be closed out and I had to go to the physical branch to reopen a new business account. 

This similar scenario has happened to me last month with XXXX Bank XXXX XXXX where XXXX hoarded my {$1000.00} funds. 

This MUST BE STOPPED, INVESTIGATED, REGULATED and INSURED prior to the banks promoting any 3rd Party for us costumer to subscribe to. 

One of the many Consumers who get FRAUDED by XXXX and the Bank, XXXX XXXX. 
XXXX, CA

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 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One failed to comply with my request. when they responded Capital one failed to validate the alleged debt. they included that my account with them is under Truth In Lending on Page 6 of their response. they failed to comply with all the request like my validation of debt pursuant to XXXX5 usc 1692g they have to send that information. they are acting as if they have any legal recourse to take against me with made me feel harassed and abused pursuant to 15 usc 1692d they failed to pay the invoice i sent them and zero out my balance on that account. My account was opened from my open-end credit plan pursuant to Truth in lending ( Regulation z ) Capital One is agreeing to cease and desist but not comply with the rest of my request. I know they have been acting as a debt collector and have to follow the Federal law as it was written. this is under mining my confidence in the banking system. Capital one cant take any legal action against me pursuant to 15 usc 1692i ( b ) debt collector cant use any part of the consumer protection act to bring harm to me. If I were to pay the alleged debt they claim that i owe that would put them in clear violation of Truth in lending Act 15 usc 1602 ( p ) because i would have received no benefit from using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated XXXX XXXX. 

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 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: Experian Information Solutions Inc.
State: NC
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation