BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
I was scammed via work email through a XXXX  for an XXXX  XXXX XXXX. I was sent a check to purchase necessary software and instructed to use XXXX to pay the rep. For the software. XXXX check amount XXXXThrough XXXX XXXX XXXX XXXX XXXX XXXX Someone hacked a students email account- so it was a viable account, and no one thought otherwise. Three other students fell for the scam.- I notified our IT and a scam caution email went out XXXX. 
I notified Huntington bank manager and placed a hold on the account XXXX. 
After several strange texts from person- I realized it was a scam and notified Huntington that day. I also went and filed a report with XXXX XXXX XXXX XXXX as instructed. # XXXX. Filed XXXX Im now being told I owe Huntington Bank the amount of XXXX back, that Regulation E does not have anything to do with this fraud draw. I also received a statement from the bank dated- XXXX stating that XXXX would not be available until XXXX? Per our funds availability policy, the reason for the delay is : we need more time to review your deposit to make sure funds will be received from the paying bank. Ref # XXXX XXXX, consumer operations . 
I Spoke to XXXX from Huntington XXXX, that states there was no hold placed on the full amount., and the bank will not pay for the fraud charge, we will. If we dont they will send us to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
my name is XXXX XXXX on XX/XX/2017 I went to XXXX XXXX to purchase appliances and was told that If I applied for a XXXX credit I can get 3.99 % for 36 months on my {$10000.00} purchase of which {$8000.00} was charged on the store card. I made the purchase and when I received my bill I noticed that I was being billed 21.99 %. I went back to the store and advised of the error and the store Manager XXXX called the credit department and advised me the the issue was fixed. After a few More months and countless phone calls and visit to the store the issue is still not resolved. I called the credit department and Spoke to XXXX @ ext XXXX who advised me that she can see the account is noted and she can see that I was wronged but there is nothing she can do for me and asked me to hold. She put me on hold for an excess of 30 mins and never came back on the line.. 

This was unfair and deceptive practices bait and should be an illegal practice. XXXX XXXX is benefiting off the misleading information they gave me as a consumer. 

I can be reached at XXXX or XXXX XXXX XXXX CC act # XXXX XXXX XXXX XXXX issued by Synchrony Bank

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, 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 am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

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

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

ACCOUNT XXXX XXXX ACCOUNT NUMBER NOT LISTED XX/XX/2014 {$2400.00}

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 2023-12-04
Company: EQUIFAX, INC.
State: MT
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:
Due to an Equifax data breach, I've had more than XXXX hard credit checks to my information which lowered my credit score. More than all were credit checks I did not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
On XX/XX/2021, after I review my credit report I found multiple erroneous information on it, that did not belong to me. After reviewing with details I saw multiple addresses that were not mine, So, On XX/XX/2021, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, but after 7 months, I review my updated credit report and I noticed that, they changed the address but they did not remove the inaccurate addresses that it is reported under my EXPERIAN and XXXX report, so I am now taking extra step, because I really need these addresses off of 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 explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: PA
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:
Well i finally have gotten one fraudulent accounts that were in collections removed and instead of XXXX, Equifax, and XXXX, XXXX XXXX raising the score XXXX XXXX like advertised, it dropped 21, ive been writing vigorously trying to get fraudulent debts where law enforcement and my ex took credit cards out in my name and got loans and services using my information or changing my personal information so they could steal and ruin my credit, all the services and beruas show conflicts of information, I just applied for Credit Cards for the first time in 25 years and it shows ive had them before but it was done fruadulant, I used a company XXXX XXXX XXXX for 25 years and never needed a credit card, i always thought my credit would go up over time and it never did because someone was committing fraud using my information, I want all debts and closed collections removed from my reports globally, i onlywant 1 name on my reports globally XXXX  XXXX steal from me or use my information, they probably have fake id, XXXX XXXX XXXX XXXX is the only name i go by ever in life, my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX, take off all those old fraudulent addresses ive never lived in XXXX  or XXXX  or XXXX, I want myscore adjusted to what it would have been if fraud wasn't committed, I work at XXXX now XXXX XXXX XXXX XXXX XXXX  XXXX, and formally at XXXX XXXX XXXX XXXX, everything else i want off of my reports globally, so its not so easy to keep doing this to me, i cant even get a apartment in my name and ive done nothing wrong, XXXX is my only social security number my only phone number is XXXX before that i used a company provided cell phone. Please help me getthis all straightened out. My future and life depends on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX and Experian should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was directly affected by Hurricane Harvey and was not able to work. I contacted the bank to make payment arrangements on this account, which the bank accepted. I was told that since I had made payment arrangements that no lates would be reporting on my credit report. Unfortunately, the bank did not honor our agreement. The account balance reporting also is incorrect. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-06
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:
Dear Sir/Madam, I am writing to dispute a fraudulent account that has appeared on my XXXX, XXXX, and TransUnion credit reports. I recently discovered this unauthorized account, and I firmly believe that I am a victim of identity theft. I kindly request your assistance in investigating and removing this fraudulent account from my credit reports. 

Account Details : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2023 Outstanding Balance : {$140.00} Reasons for Dispute : 1.Lack of Awareness : I have always maintained a diligent approach to monitoring my financial activities and credit reports. However, due to the sophisticated nature of the fraudulent activity, I was unaware of the existence of this account until recently. This highlights the covert nature of the identity theft, making it difficult for me to detect the fraudulent activity at an earlier stage. 

2.No Record of Transaction : Upon thorough review of my financial records, I have found no evidence of any transactions or agreements with XXXX XXXX XXXX XXXX This further strengthens my belief that this account is fraudulent and has been opened without my knowledge or consent. 

3.Violation of Fair Credit Reporting Act ( FCRA ) : The presence of this fraudulent account on my credit reports violates my rights under the FCRA. As a victim of identity theft, I have the right to accurate and up-to-date credit information. The inclusion of this unauthorized account damages my creditworthiness and may result in adverse consequences for my financial well-being.

4.Legal Rights and Responsibilities : Under the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit reports. I am also entitled to a fair and timely investigation by the credit reporting agencies. Therefore, I kindly request that you initiate an investigation into this matter and take appropriate actions to rectify the inaccuracies caused by the fraudulent account. 

I kindly request that you promptly investigate this dispute and take the necessary steps to remove the fraudulent account from my XXXX, XXXX, and TransUnion credit reports. Additionally, I request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been deleted. 

I appreciate your attention to this matter and your assistance in resolving this fraudulent account issue. Please do not hesitate to contact me if you require any further information or documentation. I look forward to a swift resolution to this matter and the restoration of my accurate credit information. 

Thank you for your prompt attention. 

Sincerely, 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 2023-12-04
Company: EQUIFAX, INC.
State: OH
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:
Failed to protect my information. Failed to remove fraudulent charges due to Equifax ' ability to protect my information from Data Breach. My information is now on the dark web for sale, after its sold, it gets sold again. The amount of hardship this has put on myself and my family is unbelievable. Have you ever tried to rent or lease a home with bad credit not caused by you? A car? Let alone a credit card. This company shouldnt be in charge of a human beings favorite color let alone their personal information and future financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-04-21
Company: EQUIFAX, 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:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX  / {$0.00} / XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, I opened a checking account using promo code XXXX. Using this offer code, I was to be paid a {$300.00} bonus by U.S. Bank if I met the following terms : Deposit {$5000.00} in new money within 30 days of account opening and maintain for 60 days. On XX/XX/2022, I initially deposited {$200.00}. I deposited the remaining {$4800.00} on XX/XX/2022, therefore bringing my total deposited to {$5000.00}. I then held the {$5000.00} in deposits for more than 60 days, until XX/XX/2022. Therefore I very clearly met the requirement to deposit {$5000.00} within 30 days, and hold that balance for 60 days. however I did not receive my {$300.00} credit. I brought this up with U.S. Bank, and they said that somehow the first {$200.00} deposit was " not an eligible deposit '' and therefore I had only deposited {$4800.00}. There is nothing in the attached terms of the offer that says which deposits are " eligible '' vs. " ineligible. '' It just says deposit {$5000.00} in new money, and all {$5000.00} of the deposits were new money. Therefore I am owed the {$300.00} bonus. My spouse also applied for the exact same bonus and did the exact same 200+4800 and they did receive the {$300.00} bonus.

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 2023-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2023-05-09
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland told myself and the cfpb I could take XXXX for the hud Covid relief. Now theyre giving me a hard time. Threatened me. Marking my credit, leaving the amount outstanding.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After submitting letters by certified mail to XXXX XXXX XXXX XXXX the collection company that it is reporting me and also to the 3 credit Bureaus XXXX, TransUnion and XXXX. The information in my credit report still showing discrepancy. On XX/XX/XXXX it was showing as the account was closed and then in XXXX it was active again. Also, the balance showing in that account keeps changing constantly. Up to this day the company XXXX XXXX XXXX XXXX as been able to provide proof that this account belongs to me, and it hasn't been verified with the credit Bureaus. Please investigate this matter and correct the disputed item as soonest 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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2022-12-28
Company: Colony Brands, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Disputing Information in Credit Report DUE TO : ( 1 ) NO PURCHASES FROM AND ( 2 ) COMPANY OPENING AN ACCOUNT WITHOUT MY KNOWLEDGE. COMPANY NAME IS GINNYS. 

I am writing to dispute the information that is currently affecting my credit history. 

We have been scammed by a company whose name is Ginny 's. They are in XXXX WI XXXX. We have never heard of this company until this issue started. 

We started getting some mail from this company. We thought it was junk mail and threw it away. When I opened one of the mailings recently, it looked like a bill for a purchase they thought I made. The letter looked official and had an account number assigned to me.

Today when I was paying bills, I noticed my credit history had gone down. The company 's name that appeared on the list was Ginny 's and it says I have not paid. I saved some of the recent mailings. I am requesting that Ginnys wrongful credit report be removed AND that my previous credit rating be resumed.

Company response to consumer: Closed with explanation