BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is 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 explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: CA
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:
Experian sold my personal information without my consent. 
I am getting barraged by home insurance scammers who are lying and stating that they are working with my financial company. 
I verified that this person is NOT who they say they are and they obtained all my personal information from 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 explanation
Consumer complaint received 2020-04-14
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted Synchrony Bank regarding the absurd interest rate of 29.99 % currently being billed to my account. I have had this account for a few years now and this rate is insanely high. Their response to my request was that the rate was " non-negotiable '' based on their " system ''. I requested to speak to their underwriting department as this seems very out of place that an APR reduction can not be considered at all, especially given the current circumstances related to COVID-19. 

I feel this to be unfair treatment and borderline abusive that this is non-negotiable, as the account manager could not inform me as to what specifically is driving the system to deem this non-negotiable. 

This was an extremely negative experience and an interest rate of this amount is usury.

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 2020-08-19
Company: Experian Information Solutions Inc.
State: AL
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:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2023-07-02
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under law FDCPA ) code ( 15 U.S.C. 1692 Re : XXXX XXXX XXXX XXXX, To whom this may concern, I am writing this letter to XXXX XXXX XXXX and all three credit bureaus XXXX, XXXX and XXXX. 
To inform XXXX XXXX associates that I have never been in contact with them or there debt collection agency. Until today. I have disputed your debt collection reporting agency as I have no clue who XXXX XXXX associates is. I have never received nor sort of mail or any sort of communication from XXXX XXXX associates indicating they have took over any sort of " debt '' I may " owe ''. I also have included best buy my credit card company which I paid on time on a monthly basis in this email to my knowledge this account should have been paid in full. 
Overly paid off. 
I was reaching out to best buy a few times prior to my credit being Tampered with indicating that I am very aware how my payments were not showing off as paid off to my account or credit card company. 
Each time I will make a payment to my best buy account the following month I will owe more money. 
I am very aware of the fraudulent activity that has been occuring and I never have been in contact with XXXX XXXX XXXX up until today. 
I have disputed XXXX XXXX XXXX And I will sue XXXX XXXX XXXX/best buy citi for fraudulent activity. 
I will also be filing a police report with this letter. And will be reporting this as fraudulent activity. 

I XXXX XXXX XXXX indicate that once I was reporting fraud and my payments not going down to my best buy account that I was not able to have access to my credit accounts and fraudulent activity was occuring I XXXX XXXX XXXX also indicate that I have had a credit freeze on all three of my credit bureau accounts since XX/XX/2023 as well as I do have a open fraud alert on all three of my accounts. 
I do not see how any of this is possible? Without validation. Authorization orauthentication?

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 2020-04-14
Company: Experian Information Solutions Inc.
State: AR
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:
It has been over 30 days since my initial dispute that was sent to XXXX, XXXX, and Experian in regards to several accounts reporting on my credit file that were from the direct result of identity theft. I completed and submitted and Identity theft report as per instructed by local law enforcement which included accounts XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX  # XXX. Under the Fair Credit Reporting Act section 605b states not only these accounts should be blocked but also removed if accurate verification is not provided per sections 609 & 611. I have yet to receive any correspondence whatsoever from neither XXXX, XXXX, or Experian so therefore considering the multiple violations being committed only can equate to the fraudulent accounts being removed from my credit file immediately to avoid litigation. These actions are totally unacceptable and violate my consumer rights as well as the FCRA. In addition fraudulent addresses XXXX XXXX XXXX and XXXX XXXX XXXX and inquiries remain on my credit file after I've specifically requested them to be removed. A copy of my drivers license, social security card, and a utility bill was included with dispute to prevent any vague or bogus reponse from the credit bureaus and yet I HAVEN'T received anything at all. My next step is to contact the attorney general a seek litigation if this matter is not resolved.

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 2022-03-08
Company: EQUIFAX, 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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$840.00}

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 non-monetary relief
Consumer complaint received 2018-10-23
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 am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Experian and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.

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 2017-06-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/XXXX I FILED A COMPLAINT WITH THE CFPB COMPLAINT NUMBER XXXX. ON THE MORNING OF XX/XX/XXXX I CHECKED MY CREDIT REPORT VIA XXXX XXXX AND EQUIFAX HAD REMOVED SEVERAL ITEMS FROM MY CREDIT REPORT AND MY CREDIT SCORE HAD WENT DOWN 185 POINTS. EQUIFAX HAD DELETED MY XXXX XXXX  ACCOUNT BUT AFTER I DISPUTED AND SUBMITTED TO CFPB THEY PUT IT BACK ON MY CREDIT REPORT BUT THEY DID NOT PUT MY POINTS BACK. IF YOU LOOK AT MY CREDIT SCORE ON XX/XX/XXXX IT WAS XXXX  POINTS. ON XX/XX/XXXX IT WAS XXXX -- -185. EQUIFAX HAS NOT PUT MY POINTS BACK. I FEEL THEY ARE NOT SCORING MY REPORT PROPERLY. I HAD 2 BANKRUPTCY REMOVED AND MY CREDIT SCORE IS NOT REFLECTING A INCREASE IN MY SCORE. ALSO ON XX/XX/XXXX EQUIFAX HAD DELETED XXXX INQUIRIES FROM MY CREDIT REPORT AND ADDED THEM ALL BACK ONXX/XX/XXXX I SENT CERTIFIED LETTERS TO ALL OF THE CREDITORS ADVISING I DID NOT AUTHORIZE THESE INQUIRIES I DISPUTED WITH EQUIFAX THEY REMOVED THEM FOR 1 WEEK. AND PLACED THEM ALL BACK ON MY CREDIT REPORT TODAY XX/XX/XXXX. I AM ASKING EQUIFAX TO LOOK  INTO MY CREDIT FILE AND SCORE MY REPORT FAIRLY. THERE IS NO WAY WITH ITEMS REMOVED AND 2 BANKRUPTCY MY CREDIT SCORE HAS NOT INCREASED BUT DECREASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

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 2022-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am a victim of identity theft, XXXX was taking from me, some one was using my information and sent my XXXX card to different addresses where my money was tooking, nermous of claims had been made and I discovered when I did my claim it was already one done by some one who stole my identity, now Bank of America had denied my claim nermous of times due to what some one else has done. I would like my money back and seems like Bank of America is giving me the run around

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 2018-10-23
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a citi checking and a savings account on XX/XX/18 in a branch at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The banker who opened the accounts for me is XXXX XXXX. There was a promotion of {$400.00} bonus if I keep more than {$15000.00} deposit into the account ( combined ) for 60 days. It has been almost 6 months past and I have NOT received the bonus. I have contacted the banker several times through email, call ( left voice mails asking to call back ) and walked into the branch ( he was off on that day ) I have never received his reply. I would have no other choice but to file a complaint against it. I was hoping Mr XXXX would take a close look and escalate to see why I haven't received the bonus. 

My checking account no is 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 monetary relief
Consumer complaint received 2022-12-21
Company: Affirm Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, someone opened an AFFIRM line of credit ( {$2300.00} ) in my name. I spoke with customer service with AFFIRM on XX/XX/XXXX after making a check of my credit report because I am in the home buying process. I was informed by AFFIRM that this is line of credit was obtained online by using my social security number. I was told that someone had been paying off the line of credit but stopped in XXXX. 

I have no knowledge of what AFFIRM is. 
I have no knowledge of who could have used my social security number. 
I did not personally take out any line of credit with AAFIRM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXXXXXX 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 instructio
ns

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have multiple names on my credit report that are not my nor names I have ever used. As of XX/XX/2022 I have sent letters to the bureaus and they have not corrected these errors. It's been almost XXXX days with no response. 
My name is XXXX XXXX Names that appear on my report are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of those people are 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
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: UT
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:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today, XX/XX/XXXX, I received a notice from Bank of America stating an increase to the annual fee charged to my credit card. The notice also said my account would be closed on the same day If I declined the new agreement that will take affect beginning of XX/XX/XXXX and the will be charged on my anniversary date which will be XX/XX/XXXX. I called to reject the new fee and to object this new agreement. The customer service representative named XXXX advised me that I could not use my card anymore or be refunded a prorated annual fee amount because I rejected the new terms and my account is closed. I advised her that this can not be right because I paid for an annual subscription on XX/XX/XXXX. I had agreed to the terms that were set forth on XXXX XXXX stating that my annual fee would be {$59.00} for the next year. I also told her that this agreement does not take affect until XX/XX/XXXX and I should be allowed to use my card that I paid a subscription to use until XX/XX/XXXX of XXXX. Bank of America and I had an agreement on XXXX XXXX stating if I paid {$59.00} I would have access to use my credit card for this upcoming year. Now I get a new statement and it saying if I dont agree with an agreement that doesnt take affect until next year then they will cut my card off now. I paid for a service for one year and I should be legally obligated to use that service for that for that one year or be refunded a prorated amount. XXXX was not able to help me and I was transferred to another representative named XXXX. He told me the same thing, saying because I rejected the new terms Bank of America will close my account the day that I reject the terms. They will not refund any amount of money and will not allow me to use my card. I asked if I could speak to another representative or legal and he gave me a phone number to fax because thats the only way to contact them and said I will have to wait for a response from them based on any inquiries that I sent via fax. I dont understand how a company can charge you an annual fee to use a credit card and then five months into the annual agreement they change the terms for a future agreement and see if I dont agree I am not obligated to finish out the service I paid for.

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