BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus stated Account Name US Dept of Education Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX. XXXX XXXX  Account # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, dates and deferments were filed before all was reporting as defaulted. It should be in deferment not default. 

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the 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 2023-07-04
Company: Experian Information Solutions Inc.
State: FL
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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: Experian Information Solutions 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:
The Credit Reporting Agencies have not complies with the Fair Credit Reporting Act section 605b, and conrtinued reporting the fraudulent accounts and information on my Credit File without providing me any proof of documentation they found to claim such erroneous things. I am submitting this CFPB Complaint to remind the Credit Bureaus that under the Fair Credit Reporting Act, they are required to remove any accounts that resulted due to identity theft. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Please see the list of accounts and information I need removed 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law.

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: WELLS FARGO & COMPANY
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:
Hello, My name is XXXX XXXX. I have had my Wells Fargo credit since 2019. I was told that Wells Fargo reports my credit history to each credit report bureau, however, credit bureaus didnt have my credit card on my profile for a long time and after several complaints and investigations, I was able to fix this issue with XXXX and XXXX XXXX Both have my credit card on file and update my credit score. Unfortunately, its been a while now XXXX cant solve this issue with XXXX. It still doesnt have my card on my profile and hasnt updated my credit score. They keep saying that Wells Fargo never reported it and Wells Fargo says that they report it. XXXX assures me that theres nothing they can do about it and that I should solve this issue with Wells Fargo. At this point, I am not sure what I should do. This situation affects me negatively in many ways and I want it to be solved. 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 non-monetary relief
Consumer complaint received 2023-05-30
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 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 2023-07-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX  and changed my name and XXXX  from XXXX XXXX XXXX to XXXX XXXX XXXX and would like to have my XXXX XXXX Experian credit s ore with my current name Im the same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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:
attached police report and supporting documents

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 2023-07-31
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I sent this message to Chime Support : Hello, I need to speak to management/supervisors/specialists immediately. Please read carefully before responding and forward to the appropriate person : I have {$230.00} worth of unauthorized purchases from XXXX *XXXX, all took place between XXXX XXXX - XXXX XXXX  on Saturday, XX/XX/XXXX. My balance was {$150.00}, it is now XXXX because of what was stolen from me. 

Note that this is the same reason I had to cancel my debit card previously and had others re-ordered in the past few months. There have been several instances recently where I have had to contact Chime because there were unauthorized XXXX XXXX purchases. Simply sending a new debit card in this case is no longer acceptable, I have serious security concerns about my account. 

__________________________ The unauthorized charges mentioned above happened about 6 weeks after I awaited a new debit card for the same reason : unauthorized XXXX and XXXX XXXX charges. 

This is the third time I've had to cancel my Chime card and order a new one. 

Since the message I sent on XX/XX/XXXX, Chime has denied my request and ignored the seriousness of the fraudulent charges. There is a well known scam going around in which people are having unauthorized XXXX and XXXX XXXX charges. There is no record of these purchases on my actual XXXX account, it only happens when I have a physical Chime Debit card. 

Chime refuses to acknowledge the seriousness of these unauthorized purchases and has not reversed any of the funds that were taken from me. There are a total of 15 unauthorized purchases and Chime refuses to compensate me for the money that was stolen from me. 

I should have a positive balance of over {$150.00}, but because Chime won't reverse the funds and won't properly investigate or secure my account, I am in the negatives through no fault of my own. 

I have had to constantly hound and message Chime support for status updates and to provide additional information. I have also had to message them out of my fear and frustration with their cavalier attitude towards my stolen money. They only send copy/paste responses that make me think I'm talking to a robot and not somebody who can assure that my money is safe and secure. 

Chime 's conduct is unacceptable and should be exposed for what they are. I want my money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Sams Club Synchrony never received credit card was billed for card never received also information about bill sent to credit bureaus! 
Have tried for months to resolve with no results called today XXXX XXXX was cut off while speaking with customer service.

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 2017-09-19
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: Old information reappears or never goes away

Complaint:
I previously had a loan with XXXX XXXX XXXX. As part of a written agreement, the account was to be removed from all three credit bureaus. At this time Equifax is refusing to remove it even with proof that the account was to be removed by the financing company. I 've complained on Equifax with no results. I also provided the same letter mailed to me by such company and yet Equifax is the only Credit bureau still showing the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC1681 SECTION 602H VIOLATED MY PRIVACY ACT 15USC1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Im accordance with the fair credit reporting act, XXXX  account XXXX ( XXXX XXXX  ) and XXXX ( XXXX  ) has violated my right to privacy. 15USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction. 15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2023-07-04
Company: Credit Karma, LLC
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: Information belongs to someone else

Complaint:
It say XXXX XXXX I made a new credit account with XXXXXXXX XXXX XXXX which caused a hard inquiry also XXXX XXXX it's says I started a bank with XXXX  that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Direct Student Loans and XXXX XXXX XXXX XXXX XXXX ( XXXX  ) The purpose of message is to make a complaint against Navient. Navient has managed my school loans I took out since XXXX. The complaints are as follow : 1. I have been paying my loans for many years, now on an XXXX  plan, and I still owe 164 % of what I borrowed in student loans because Navients advice to go into forbearance. 
2. Due to Navients advice to choose forbearance, my loan balance and monthly payments grew due to interest capitalization causing more economic hardship 3. My private loans and federal loans were placed into forbearance starting in XXXX instead of offering an XXXX plan available during a time when I had difficulty making my student loans payments. 
4. Some of my XXXX loans were consolidated without my consent. As a result, they have now become private loans. 
5. Navient and other loan servicers did not provide accurate records of my progress toward forgiveness through XXXX plans and have not had a way to track my progress towards paying off my student loans. 
6. With the split of my loans to XXXX, inaccurate application of my payments have been made. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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

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 2023-07-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
During a recent pre-employment background check from HSBC XXXX, I've reported inaccurate/false statements related to " public record '' section of my credit history many times, and also reported fraudulent/suspicious activities from fake court/government information sources. 

However, I received " Can't Proceed '' email from HSBC stating my job offer was cancelled without further explanations. 

My HSBC job offer and its subsequent pre-employment screening messages were sent from email sender, XXXX ( ip : XXXX ). 

On XXXX. XXXX, 2023, I received offer letter titled " Your Offer of Employment for Lead Consultant Specialist at HSBC XXXX '' careers.hsbc.com, and I accepted the job offer on the same day. 

On XXXX 2023, I received email sent from careers.hsbc.com, titled " Introduction to your onboarding with HSBC XXXX stating that " Our background checking team will start your vetting '' attaching forms requesting for my personal information such as social security number and address etc. 

On XXXX XXXX, based on phone call I received from an HSBC person describing my credit report, I formally requested HSBC to correct my credit report with my FRAUD Report email stating " Fake Court/Government Information Scams of such nature on at least 10 corrections on serious FALSE accusations. '' On XXXX XXXX, I requested HSBC to fulfill hiring terms and conditions mutually agreed upon, but observed no action to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: VA
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:
Im curious why XXXX XXXX court system is in my experion report i though tgey needed a subpeana to do this?? they were in there 3 different time XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX i have a hearing comming up and fe3l as if something shadey is going 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
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX / XXXX / {$6000.00} XXXX XXXX / XXXX / {$1800.00} XXXX XXXX XXXX XXXX / {$50.00} XXXX XXXX / XXXX XXXX {$980.00} XXXXXXXX XXXX / XXXX / {$920.00} XXXX XXXX / XXXX / {$1300.00} XXXX XXXX / XXXX / {$50.00} XXXX XXXX / XXXX / {$4200.00} XXXXXXXX XXXX / XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXX XXXX/ XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXXXXXX XXXX / XXXX / {$4400.00} XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2019-06-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed chapter XXXX bankruptcy XX/XX/XXXX. Signed reaffirmation forms ( both by me and my attorney ) were sent to the Wells Fargo Home Mortgage the week of XX/XX/XXXX to be submitted to the court. XXXX XXXX I discovered my mortgage payments were not being reported to the credit bureaus. I was told by a male employee the reaffirmation was left sitting on someone's desk for 2 weeks, he would take of it and everything would be fine. I have tried both in XXXX of XXXX and again now XXXX to get them to fix this problem. Then and now Wells Fargo is telling me it was sent to them to late to file with the courts and that they will not report my payments to the credit bureaus. I feel since the correct signed reaffirmation paperwork was submitted to them by at least XX/XX/XXXX and the bankruptcy wasn't discharged until XX/XX/XXXX that Wells Fargo Home Mortgage had plenty of time to file the reaffirmation to the court and therefore should be reporting my credit to the credit bureaus retroactively for XX/XX/XXXX payment to present which have all been on time or within the banks 10 day grace period since I may pay from my bank on the due date and Wells Fargo may not post it for 2 to 3 days. Each time we have contacted them regarding this issue, they say they are investigating the problem and come back after at least a month and say it's my problem, no one told me it was on someone's desk for 2 weeks, no such phone call took place and they will not report my payments to the credit bureaus. I hope you can help me with this disgraceful way they are doing business.

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