BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have a loan with CAPITAL ONE, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE, XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: MI
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 am receiving inaccurate and inconsistent reports from creditor Department XXXX XXXX XXXX XXXX I filed a hardship status for my student loans and begin to receive government assistance on all XXXX loans, these was loans was taken over by XXXX XXXX XXXX XXXX XXXX few years ago, I start noticing late payments on my credit report for student loans, after contacting XXXX I was told that department was closed down and my file was sent to another department that's handling student loans. In the process of my file being transferred to another department my credit report start getting derogatory remarks, then it went back to accurate and has maintained that status since XXXX. 

Department of XXXX XXXX has blatantly violating my rights to fair consumer protection Act, ( FCRA ), 15 U.S.C . 1681 et seq., by reporting differently to the XXXX credit bureaus with inaccurate and inconsistent information pertaining to these student loans accounts. 

Acct # XXXX shows 120 day late on XXXX, 90 days late on Equifax and 90 days late on XXXX, on all XXXX loans that's listed with same account numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: AMERICAN EXPRESS COMPANY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have made a purchase of Business class ticket with XXXX XXXX using my American express credit card. 
On the flight before departure I received a call that XXXX XXXX forgot to book the Business meal and as compensation they will provide me XXXX usd on the mode of payment at the counter at check in instead of money they have a letter saying XXXX will be given by XXXX XXXX after the flight I have contacted them several times to that I do not need points and it was agreed that they will credit my original mode of payment as I do not have an account and don't want it. 
After a lot of back and forth I gave up on them and contacted the American express to retrieve my money they initially credited my account based on the information which I provided subsequently I have provided them with all the evidence and written communication between myself and XXXX XXXX. 
After about XXXX weeks time I recieved a letter from American express that they have reapplied the charge on my credit card account based on the info provided by XXXX XXXX. 
I have called them and verified with them that have they checked my evidences provided for which I was told " oh nobody looked at it " and they said we were told by XXXX that they have provided you points and money which is totally untrue I have no account of this payment or points and American express reversed the payment based on false statement from XXXX XXXX. I'm unhappy with American express because they reversed payment without any proof of points and payment. The letter provided from American Express is also unclear. Hence I'm reporting them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am a victim of identity theft. I tried to dispute this case many times ; XXXX and XXXX have removed Discover account since 2021 but it still report on XXXX report. I also worked with Discover about this case. I have filed police report, FTC complaint and any documents to support this case and hope to the bureaus to remove this case. However, XXXX disagreed and did not remove this account. Therefore, I am filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have an inquiry from XXXX made on XXXX 2022 on my file. I have never applied for a card from XXXX XXXX or XXXX. I want this fraudulent activity removed.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: MO
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 writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX - XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} ), ( Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ), ( Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ). 

The above accounts do not belong to me. I request that you remove these accounts 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 2022-08-18
Company: Experian Information Solutions 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 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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have called and reported all the companies showing up on my credit report. I have contacted them and tried to resolve the false fraud being reported to my credit report, effecting my score. These places have already violated my consumer rights and sold my information to 3rd Parties. Nothing has been 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 non-monetary relief
Consumer complaint received 2020-09-30
Company: OneMain Finance Corporation
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I spotted a fraudulent charge XX/XX/XXXX on my Citi Credit card and notified Citi online the same day as the charge on my card. Citi acknowledged my dispute and credited my account for the amount. On XX/XX/XXXX Citi informed me that they considered the charge valid and was reversing the credit. Citi supplied the documentation they used to decide the charge was valid and in reviewing it Citi allowed a foreign bank to make a cash advance from the credit card which should not be allowed. 
What I believe happened A hacker with my card info opened an account with XXXX XXXX and using my card deposited {$400.00} into another account supposedly my nephew ( which I have none ) at XXXX XXXX. The bank charged a fee of {$8.00} for the cash advance. 
The documents XXXX XXXX provide are self explanatory. 
I do not have an account with XXXX XXXX My email is not XXXX I do not have a nephew and no idea who XXXX XXXX is My North Carolina driver 's licence number is not XXXX Citi it treating the disputed amount as a charge when it is a cash advance. 
It would appear that Citi is allowing illegal transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/XXXX a XXXX XXXX XXXX  was fraudulently reported on my credit and on XX/XX/XXXX XXXX WAS was reported on my credit I ASK that these matters be deleted from my credit report! 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information.

Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage.

Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement.

Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.

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 2018-07-07
Company: Phoenix Financial Services LLC
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:
Phoenix Financial Services is reporting that I owe {$430.00} to a company I know nothing about. I have not been contacted by anyone regarding this debt and requested validation. To date I have yet to receive detailed information as to what this is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I now realize Synchrony Bank is an enabler of fraud. Several months ago I contacted them about trying to open a card in my name that I did not apply for. I told them that their conduct was deceptive and fraudulent. The person on the phone LAUGHED at me when I said I would report them to you. Months later, I found that my credit score had dropped 25 % from excellent to poor because someone was able to open a credit card with them in my name with only my name and social security number. 

I have since learned that Synchrony is a habitual repeat offender of this type of conduct.

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 2020-09-30
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$700.00} XXXX  XXXX Balance : {$700.00} XXXX XXXX Balance : {$700.00}

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 2020-09-30
Company: Convergent Resources, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received my investigation results.

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 2023-07-11
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: Information belongs to someone else

Complaint:
After looking over my most recent credit report, I notice an account listed that causes concern because I am unaware of this account and question its validity. I am requesting and complete and accurate verification and of this account as stated Under the Fair Credit Reporting Act, section Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Bureaus disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. 15 U.S.C 1681 Section 602A states that I have a right to privacy. 

15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 

Delete this account immediately, or they will have violated my federally protected rights and can held liable for {$1000.00} per violation. 

The account is 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