BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hi im writing regarding some fraudulent account on my credit report.I tried to fix it with credit bureaus and creditors no luck credit reporting agencies come back after investigation as the " information is accurate and verified '' i sent an FTC report those accounts does not belong to me i did not give any authorization to anyone to use my personal information to apply for goods and services som personal information is also wrong.I will attach FTC report .FTC report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute to all XXXX major reporting agencies on or around XX/XX/2023 demanding they remove this bankruptcy. 15 USC 1681 S 604 Says NOBODY can report on my consumer report without my written consent. And that I may be compensated up to {$1000.00} if they violate my rights. XXXX wrote back saying the acct was verified which is not what I had asked.

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 2023-05-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
its like a {$2000.00} charge on Synchrony Bank which ive never opened any account with and have disputed with them several times they just dont care and never continue with the dispute

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report is some how littered with allot of different addresses that I don't live at nor even heard of. My name is on my credit report spelled in several different ways that I have never used nor went by for any reason or occasion. There are bundles of phone numbers that are also connected to my credit report that have absolutely no relation to myself what-so-ever. There is also a few places of employment that are on my credit report in which I have never been employed. 
All of this additional information that is on my credit report causes concern for creditors that I request funds from. It makes it look as if multiple people are just randomly applying for credit with my name, but there are NO Fraudulent accounts on any of my credit reports. I am trying to buy a very nice home for my family and little things like this are potentially preventing myself from such purchases.

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 2022-06-16
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:
Hello, I have recently noticed fraudulent activity on my credit reports. A Collections account from XXXX XXXX XXXX XXXX. Original Creditor Name : XXXX XXXX in the amount of {$2700.00} that was wrongfully reported on XX/XX/2022. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: LA
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:
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.

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 inructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'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 non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-08-16
Company: EQUIFAX, INC.
State: GA
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 disputing a Discharged XXXX Bankruptcy with Equifax Credit Agency and the information they sent me in the mail stating : The Result of Our Reinvestigation Public Record Information This section includes public record items Equifax obtained from local, state, and federal courts through a third-party vendor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have contacted XXXX XXXX they sent me a copy of my report with them there is no Bankruptcy on my report at all with XXXX XXXX and it's dated XX/XX/2023 that's the third-party company that Equifax uses. I need Equifax to stop with the lies and games and delete the items entirely off the report since you use XXXX that's on the letter you sent me because what they are telling the consumer on paper and over the phone are lies and I have the proof to show you. I am going to seek legal consultation about Equifax and these lies. You send information to consumers with the results showing XXXX provided you with the information and then on the phone it's a different story those are lies plus you can't do that period

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

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 explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/2022, my personal bank and XXXX companies I pay to monitor my credit scores ( XXXX  and XXXX  ) have been unable to pull my Equifax credit report. This has largely affected my ability to ascertain personal loans as well as a mortgage. I have made several calls to Equifax with no resolution to this major issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
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:
Someone has been using my personal information to attempt to open credit card accounts and to take out personal loans. I was made aware through fraud alerts by XXXX XXXX and XXXX on XXXX that someone tried to open new credit cards in my name. After looking closely at my credit report, I saw an incorrect phone number and several hard inquiries that I did not authorize ( XXXX  : XXXX, XXXXXXXX XXXX XXXX  XXXX : XXXX ; Penatgon Federal Credit Union : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX I believe whoever is trying to steal my identity XXXX have also submitted a Change of Address for me as tracking for a recently ordered package indicates that it is being forwarded somewhere instead of delivered to my home address.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: NY
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card 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 explanation
Consumer complaint received 2019-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/1919 I made a teller deposit at the Bank of America at XXXX XXXX XXXX at XXXX XXXX for {$970.00} dollars ( {$520.00} in cash the rest in checks ). They always count the money, sometimes twice using the auto counter. They gave me a receipt for {$970.00}, A day later they sent me a notice that there was a " currency shortage '' and deducted {$300.00} from my account, which hurt me considerably. At XXXX years of age, like many others, I live from pay check to paycheck. This was a huge blow. 

I went to two different banks to get it settled and presented my copy of the receipt for the money deposited and a deposit slip they photographed and placed on my web sight. They talked to me about how it might have happened, including one who said they video taped each transaction. They sounded as if it would be no problem to figure out. The first was the branch at XXXX XXXX XXXX and the second at the address shown above. They all seemed interested in resolving this matter and then it just tapered off - no further response from either branch and none of them answered either by e-mail ( XXXX XXXX XXXX ) ) or messages I left on the answering machined ( XXXX XXXX XXXX ). Both branches had explanations of a probable cause but did not return advise me of their findings or return the money to 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 2019-09-13
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Approximately 6 months ago I submitted a dispute with Ally Financial over a Failure to Pay annotated on all three credit reports from XX/XX/XXXX. 3 months ago, I called to inquire about the dispute, and they re-initiated the investigation. On XX/XX/XXXX, I had Ally Financial initiate another dispute for the Failure to Pay. I have not received any letters on a decision or any other correspondence from either of the previous 2 investigations. The auto loan from Ally Financial, in question, was paid off in full in XX/XX/XXXX. It should not have been a Failure to Pay on my credit report due to being paid off, which Ally Financial has conceded over the phone.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i need all three credit bureaus to re-investigate all negative items in collection on my credit report. Please tell me how this was done, whom you called, or how you vertified any information.

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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 bringing this complaint forward as I have contacted this credit bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. 
The accounts are listed here below : 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 explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Chime Financial Inc
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/21, I received an email that an account had been opened in my name at Chime. I did not set up this account. I have since received several emails that changes have been made to my account, including the fact that direct deposit had been set up for this account but I did not do any of that. 
I have tried several times to reach Chime to let them know this is fraudulent and to ask them to close the account immediately, but nothing has happened. In fact, I cant get a person on the phone and no one responds to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Nelnet, Inc.
State: AZ
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:
There are two issues Im having with Nelnet. First being that when I consolidated my loan their system mistakingly put me on the standard repayment plan when it should have been the extended repayment plan. The second being they took my first payment on XX/XX/XXXX when my first payment wasnt schedule until XX/XX/XXXX. They have send multiple emails showing {$0.00} due for XXXX and in my portal it has always shown a XX/XX/XXXX date as the first payment date. In them taking out the payment a month early I was not prepared to pay the {$540.00} out of my account and they ended up taking my car payment money and some of my mortgage payment money that I had in that account that will be taken out in a day or two. I have tried to call them at least 4 times for the consolidation thing and 1 time for the payment with no luck of getting through with hold times of 35 minutes, an hour, an hour and 20 minutes and an hour and 55 minutes today for having to hang up. Ive then tried to email them multiple times to address both issues and just receive back a generic email stating they arent responding to emails right now. With no reasonable way of getting ahold of them I havent been able to resolve anything. I also didnt receive an email notification stating a payment was coming up for the {$540.00} on XX/XX/XXXX or a payment confirmation email after they took it out which I believe is a mandatory thing they have to do as a servicer. It has been nothing but stress after I got transferred to them.

Company response to consumer: Closed with explanation