BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a few accounts on my credit report that do not belong to be, I was a college student and didnt take these loans out. An they are effecting my credit score and keeping me from some jobs and buying a home in the future.

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 2022-08-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
And accordance with The Fair Credit act XXXX  account name and number has violated my right XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602a I have the right to privacy 15 USC 6181 section 2 604a also States a consumer reporting agency cannot purchase a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: Experian Information Solutions Inc.
State: WA
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:
Information provided incorrectly states that proportion of balances to credit limits is too high on bank revolving and other revolving accounts ; amount owed is too high. 

Each account we have is paid in full each month. This is true for all our accounts with the exception of our home mortgage. That payment is made on time each month.

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 2021-02-06
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: Was not notified of investigation status or results

Complaint:
I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap I will not wait another 45 days to receive no response because clearly yall ignoring me. I haven't heard anything from TransUnion, XXXX, and XXXX. I demand the accounts on my dispute letter to be updated immediately or I will file for litigation due to the stress that the bureaus has caused 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 2019-04-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My complaint is about XXXX - the largest shameless business giant which neither pays its taxes nor conducts ethical business with consumers. 

XXXX Sold me a camera ( Video Camera Camcorder XXXX XXXX XXXX ), together with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-I Memory Card Up to XXXX, XXXX/XXXX on XX/XX/2019. The video camera costs XXXX and the memory card costs XXXX, a total of XXXX. I was trying to return the item and arranging return pickup repeatedly since XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019, respectively. I have attached all the pieces of evidence of those subsequent return pickup attempts from my end with this complaint. XXXX only refunded me XXXX claiming I was late in returning but in fact, I wasn't, but they are the ones who never really picked the item up as promised. I always kept the package ready for them to pick up but they either left the labels outside door or never even came. I complained to XXXX about this negligence again and again but they didn't do a single thing to rectify this repeated misbehavior. 

XXXX also sold me two different styluses. Each stylus turned out to be problematic and when I contacted back XXXX to inquire about the products, they told me that I don't need to return the original products and sent me replacements so I didn't bother further about returning and threw the originals away, but the replacements also turned out to be problematic for me. I purchased XXXX XXXX XXXX XXXX on XX/XX/2019, cost {$14.00}, which arrived with no user manual at all. I needed instructions on how to replace the tips or use it effectively and as I tried to change the tip, the product got wasted. I contacted XXXX informing about difficulty and complexity of using the product so they told me not to bother returning the original and promised to send me a replacement with a user manual this time but they broke their promise. Again I got the same item with no user manual. Before I got the replacement, I threw the original away since it got totally wasted and now that I only returned the replacement, they are saying it's my fault and I don't deserve a refund. 

I purchased XXXX  XXXX  XXXX  XXXX on XX/XX/2019, cost {$29.00}, and after a while, it began to skip lines while drawing and turned out to be defective so just as XXXX XXXX XXXX XXXX, I contacted XXXX and XXXX made the same promises which turned out to be lies as well. I could only return the only available replacement since I already had thrown away the original and XXXX claims as before as always that it's my fault as well and that they treated me fairly each and every time. 

I have attached all the records on all the three items above with this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I DID NOT REQUEST ANY EXTENDED FRAUD ALERT PLEASE REMOVE ANY AND ALL ALERTS PLEASE AND THANK! WHY DO I HAVE TO KEEP REQUESTING THE REMOVAL OF ALERTS THAT ARE STOPPING ME FROM GETTING A LOAN OR EVEN RENTING A CAR!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX DOB XXXX SS XXXX I would like a update on my last Complaint from XXXX as well. Please remove the following addresses : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE THE XXXX FROM MY FILE. I HAVE NO CLUE WHY THAT NUMBER IS EVEN ON MY FILE!!!

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 2023-05-05
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Got a citi XXXX XXXXXXXX credit card with a $ XXXX limit, went to make purchase for {$4100.00} in airline tickets for my parents to come visit me from their home country, a once in a lifetime trip. Citi declined the transaction for fraud ( okay ), we called they " cleared the card '' ... processed again.. declined.. we repeated the process over and over. We were on the phone with Citi for over 3 hours, between getting hung up on multiple times, lied to, mis led, and never getting a resolution, the last seats on the flight were purchased, and the next best alternative was for over {$8000.00}!!!! Citi feels they have done no wrong and do not owe any explanation. I am not Theo only one who has issues with Citi, they are the worst bank, and the customer service agent even hinted the transaction may be declined because we are trying to purchase tickets for another airline and use an XXXX  card. This is ridiculous and Citi ridiculed us when all we wanted to do was be approved for a transaction. Our business and time and effort meant nothin to this joke of a 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 non-monetary relief
Consumer complaint received 2021-01-12
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted all the information required to obtain a loan estimate from rocket mortgage via quicken loans. I was told they do not provide a loan estimate until Im in contract with the seller. This is a clear violation of my rights as a customer by law. I can provide more info and the loan officer who told me this and subsequently closed my mortgage application without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Well to start XXXXt sent money to PayPal and I'm not sure how that happened I didn't have an account with PayPal nor did I want one so I went to with draw my money an the account had a limitation put on it and if I recall I did not recievr an email telling me why an then the next thing I know they had a 180day limitation put on so I waited 180 days no email so I call PayPal they didn't give me any reason why no email then the next thing I know my account has me locked out so I call PayPal they tell me there is nothing they can do or tell me that I have to wait for an email so I've waited 3weeks an still no email an there help line still can't do anything so I don't think this is right the amount is XXXX dollars that they are holding an I need the money for bills in this time of the pandemic that we all are having to endure so I'm hoping you can get me some information to what is going on and if I will get my money or if I have to take further accion or if I will get my money at all I've read dozens of complaints about PayPal people having the same problem an them getting no were an not receiving there money after a180days so it has me very worried that I will be in the same boat as them this isn't right what PayPal are doing to all these people whom have there money in a PayPal account or what ever it is PayPal considers them selves so thank you very much in your helping me with my delima. will be waiting to here from you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Previous CFPB Complaint # XXXX After 5 years my request was again - REAL SIMPLE SEND THE PROOF OF PERMISSIBLE PERMISSION TO ACCESS AND SUBMIT MY CREDIT REPORT TO AND FOR XXXX XXXX XXXX XXXX IN XX/XX/2017. IF YOU CAN NOT UNDERSTAND THIS REQUEST, ASK A FIRST GRADER TO READ AND HELP YOU. 
Experians Reply - In your complaint, you indicate that an inaccurate account continues to report to your credit report. You are requesting the removal of the inaccurate item. 
Do I need to further explain my complaint?

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 2019-04-21
Company: SYNCHRONY FINANCIAL
State: VA
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 purchased an computer for XXXX through an online auction company called XXXX on or about XX/XX/2019 and paid for computer with my XXXX Visa card issued through Synchrony Bank. I found out computer was supposed to be received on XX/XX/2019 at XXXX XXXX. I however never received my computer even though XXXX XXXX XXXX was saying my computer was delivered. Well I am wondering who was my package delivered too? I live alone and I didn't accept delivery since I wasn't home. XXXX is know for saying packages have been delivered when in fact package is left at door or porch of consumer 's residence. Where I live, There are over 500 apartments in complex where I reside. At any given time someone could see a package and walk up and grab the package and leave. I know in fact that XXXX often will leave a package at one 's door if no signature requested service isn't provided. I in fact live within 10 miles of an XXXX Store pick up center. I would of been too happy to go to pick up and sign for my package. I also believe this situation could of been avoided if XXXX had of requested an Signature service. I just don't understand how a company can bill someone over 300.00 for merchandise and not require an signature service. I in addition notified Synchrony by emailing and faxing disputing document s requested. A temporary credit was issued but reversed by merchant when the merchant claimed that I did receive the merchandise. The merchant once again is believing that i actually accepted delivery when I wasn't home. I am now out of my money because Synchrony bank just don't care. Synchrony Bank needs to understand that XXXX makes tons of deliveries per day. They often say packages are delivered when in the packages are left at people 's doors and porches. I am the victim here. Please send an message to XXXX that they need to use a signature service when shipping merchandise especially if its over 300.00. I should not have to suffer an lost because of the merchant 's bad judgement. There are no winners here. Please Synchrony do what's right. You are suppose to be my credit card company!

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 2023-01-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX on my XXXX credit report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Store : Best Buy Order Number : XXXX XX/XX/XXXX : Make the purchase of a cooktop, with delivery and installation. 
XX/XX/XXXX : Date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. 
XX/XX/XXXX : I call to appliances department for make a claim, because I need the money back in the Best Buy, credit card. The company fails several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My husband received a call from ( XXXX ) XXXX Patient Accounts Bureau on XX/XX/2019 from a lady stating that she was looking for me in regards to a past due amount of {$500.00} for medical debt. My husband has asked her not to contact him again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions 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/2021, the agent provided the incorrect amount of XXXX, resulting in me being reported as 30 days late because the amount was XXXX. 

The agent is maintaining that I was informed that they informed me that the amount XXXX, but that was not what I heard the agent tell me. 

I am clearly disputing that I was furnished the incorrect past due amount that resulted in me being reported 30 days late because I did not pay the current past due amount.

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 2018-09-15
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Used Lowe 's credit card to purchase washer, dryer, etc during XX/XX/XXXX sale and did not go through the card. We ended up using our own personal debit card to purchase all of the items and Lowes refuses to refund the amount on the Lowes credit card even though we have proof that we paid for it via our XXXX debit card. 

We have spent several hours on the phone with Lowes and they refuse to refund the amount.

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 2021-06-14
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: Information belongs to someone else

Complaint:
I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on Experian and a couple of days ago credit XXXX told me that a bankruptcy came on XXXX  now in addition to Experian. It is not on XXXX. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.

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 2018-10-09
Company: WELLS FARGO & COMPANY
State: TX
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 traded in my XXXX XXXX XXXX to XXXX for a XXXX XXXX XXXX. The dealer said to not make my final payment due to me trading the car in and that they would receive the payoff the next business day. Short story is my payoff for the XXXX got to Wells Fargo ONE day late. They reported this to the bureau and will not remove it. I'm in the process of trying to buy a house as a first time buyer and this is reflecting in a negative light with lenders. ONE DAY. I've called Wells Fargo and they say nothing can be done is what it is and offer no help what so ever. I've contacted to dealership where I leased my XXXX  and all they say is sorry it got there a day 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 non-monetary relief
Consumer complaint received 2023-01-23
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: Information belongs to someone else

Complaint:
Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX  on my Experian credit report 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 explanation