BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: SYNCHRONY FINANCIAL
State: PA
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:
Someone, who I believe to be named " XXXX '' ( her name, bills and employment history were on my credit reports ) applied for both PayPal and Amazon credit cards in my name through Synchrony Bank on three different occassions. On XX/XX/XXXX and XX/XX/XXXX, XXXX separate Synchrony PayPal inquiries appear on my credit report. On the XX/XX/XXXX PayPal credit inquiry, a very extensive credit check was done including my checking account info through XXXX XXXX, a Supplemental Consumer Credit check through XXXX  along with a XXXX XXXX XXXXs search which brought up a piece of real estate I own. On XX/XX/XXXX, a credit inquiry for Synchrony Amazon also appears on my credit report. I have tried several times to have these three fraudulent application inquiries removed from the big three credit bureaus as they are not mine. All disputes have come back as verified. I was told to call Synchrony Bank by one of the bureas which I did XXXX, XXXX. After speaking to XXXX in the fraud department, I was made aware there were 2 Amazon applications performed on the XX/XX/XXXX inquiry date, 1 application approved for a prepaid card and the other was denied. She said she would immediately cancel the open prepaid account and then transferred me to XXXX XXXX XXXX '' in the underwriting ( I believe ) department. After spending almost 2 hours on the phone with Synchrony Bank, XXXX gave me a separate claim number for all 4 credit inquiries as well as a single claim number for the 4 total. He told me it would take 60 days for the inquiries and supplemental information to be removed from my credit reports. This information still remains. I have received two separate letters from Synchrony Bank stating the fraudulently opened prepaid Amazon card had been closed. I have since disputed these inquiries with the credit bureaus and they still come back as verified. Since the three Synchrony PayPal and Amazon inquiries remain on my credit reports, I called Synchrony Bank again on XX/XX/XXXX. I didn't get the woman 's name but was told I would need to give them another 60 days for removal of the fraudulent inquiries.

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 2020-02-19
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I am in the process of refinancing the mortgage loan. The mortgage loan officer is not able to pull up a credit report from Experian. My name changed in 2013 and Experian is the only credit union that refuses to change the name. I have filed a dispute with them and called their help desk numbers. They are unable to help and at some point in time they are rude and they cut the call. First in 2013 they refused to change the name saying their system is not allowing them to change my first because it is invalid and this time around they give a reason saying my first name is too short. Understandably Experian doesn't want to give anything in writing I will need this resolved ASAP as I need my mortgage to be processed. Can someone help please?

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 2023-01-24
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Account was closed due to Zelle fraud and another opened simultaneously ( XXXX ). Zelle returned money to closed account ( {$800.00} ) which bounced back. XX/XX/2022. Repeated efforts to get money back through XXXX have failed with being told that might take through XXXX or not at all. Zelle has been basically unresponsive. XXXX did not initially follow through with diverting money to correct account and Zelle seems to have decided that they wont return the money ( wherever it is ). I can provide account numbers and information if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions 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:
Dear Experian, Please see attached FTC Identity Theft Affidavit, supporting docs, and three forms of ID. 

I have been disputing one account item that is not mine and inquiries that are not mine and reporting on my credit report for several months. I have been the victim of identity theft many times and I now have a freeze on my report and the lock feature so my credit can not be run on all three bureaus. I still get notices that they are stopping inquiries and people are still running my credit without my permission. 

The first item is 1 ) XXXX XXXX  # XXXX I reached out to this company and they sent me a letter in writing that it was for services they provided on my behalf to " XXXX XXXX XXXX XXXX ''. I have never been to this XXXX in California and I reached out to that company and had the vice president send me an email specifically stating that I do not have an account and never have had an account with them Those letters are attached. I spoke to the rep with Experian and told him this was very frustrating and he said this way of filing was the best option. He also advised I had new attempts at pulling my credit from experian business services twice that day and my credit was locked but I was not applying for anything and gave NOBODY permission to run my credit. I simply want that account ( XXXX XXXX # XXXX ) removed from my report because it is not mine. 

Also, I have a list of unauthorized inquires that are also listed on my Identity Theft affidavit attached. I hope the new credit freezes will prevent this from happening in the future. 

Here are the unauthorized inquiries : XXXX XX/XX/XXXX Experian XXXX XXXX   XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX already stated months ago they were removing the inquiry but never did. 
So the items are the XXXX XXXX # XXXX and the unauthorized inquiries. Thank you for your help in clearing up this matter.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$750.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$10000.00}.

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 explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023, i contacted XXXX XXXX to dispute identification records as well as public records like bankruptcy information. I called in XX/XX/2023, and they informed me that all information including bankruptcy records were deleted and my consumer file has been updated. I tried disputing the information with all 3 buraus but they do not want to delete the information. On their websites it states that they get their information from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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: Account status incorrect

Complaint:
Both XXXX  and XXXX  is reporting false information on my Credit report. 
I had paid an account with XXXX and they sent a letter to XXXX  and XXXX  saying the account needs to be deleted off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Upon obtaining my annual credit report, I requested a debt verification from all 3 credit bureau in regards to a charged off account from XXXX XXXX XXXX that was listed on my report. I sent an e-mail to XXXX XXXX XXXX  on XX/XX/XXXX for verification as this was an unfamiliar account that I had not seen before on my credit report. I received no response back the same week however on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX. I had hoped that the letter would provide any documents to validate this account however, the letter simply stated what was on my actual credit report and only listed when the account was opened along with when the account was charged off. 

Per XXXX XXXX XXXX letter, the account was opened on XX/XX/XXXX and was charged off on XX/XX/XXXX. The letter also stated if any inaccurate information was listed, that I should contact the 3 credit bureaus directly to dispute and resolve. 
With that information, On XX/XX/XXXX, I sent a notarized letter requesting validation on this account listed under XXXX XXXX XXXX to XXXX, Equifax & XXXX. After sending the letters, I received no response back in 10 days. I decided to write a follow-up letter to all 3 CRA on XX/XX/XXXX requesting validation of account once again. As the days went by, I received no letters back from any of the CRA so on XX/XX/XXXX, I sent another follow-up letter requesting validation. Keep in mind, this was my 3rd attempt in contacting the credit bureaus in hopes that I would get any sort of answer back to assist in this issue. 

On XX/XX/XXXX, I received a letter each from both Equifax and XXXX. Below is what was listed on the letters that were sent to me Equifax = Stated that they are currently processing my previously submitted dispute and will not be conducting further investigation into this particular account at this item. 

XXXX  Did not provide any documentation but rather just listed terms and explanation on how the verification process works. I had already sent them 3 detailed letters requesting validation however this was the only letter I received from them. 

XXXX As of XX/XX/XXXX, I have not heard back or received any answers via mail, e-mail or telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to express my continued disappointment and concern regarding the unresolved dispute I submitted regarding the unauthorized accounts on my credit report, which are a result of identity theft. Despite my previous correspondence and the supporting documentation I provided, I am slightly sad to note that the accounts in question have not yet been removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. I would like to request an update on the status of your investigation and the reasons for the delay in removing these unauthorized accounts from my credit report. The extended presence of these fraudulent entries is causing me considerable distress, and it affects my ability to access fair and accurate financial opportunities. 
I genuinely hope that this follow-up will expedite the resolution of this matter, as I remain deeply concerned about the continued presence of these unauthorized accounts on my credit report. Your prompt attention to this issue is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: National Credit Adjusters, LLC
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: Their investigation did not fix an error on your report

Complaint:
I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I assume that because my mailing address is different than my current address that may have been the issue, but I am not sure. I will include a copy of my ID with the address that matches the letter I submitted regarding the company NCA that is reporting incorrect information to the credit bureaus. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, NCA is reporting that I have a collection with them, and I have never been in communication with this company. They were notified twice to validate this debt that is reporting on my credit report, but they have failed to do. The first notice was sent XX/XX/22 and the last letter was sent on XX/XX/XXXX. I will include the letter as well as the time stamp. Please conduct a proper investigation and remove this account. Lastly, this collection agency is reporting a different balance than what I have with the original creditor. Please provide proof of your right to own/collect this alleged debt and balance claimed including all fees, interest and penalties. Provide me of the amount of which the debt was purchased, per the CFPB, I have this right as a consumer. Also include a contract bearing my personal signature. My email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: EQUIFAX, 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the late payment entries on my credit report associated with my account XXXX. I appreciate your attention to this matter and request that you investigate the reporting of these late payments. XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX  XXXX customer service representative. I kindly request that you conduct a thorough investigation into the reporting of the late payments and update my credit report accordingly. If the investigation confirms that the late payments were reported in error, I request that you promptly submit the necessary corrections to the credit reporting agencies. Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the reporting errors.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The creditor conducted this inquiry without proper authorization, and it must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Receivables Performance has put a damaging report on my credit report on behalf of XXXX for {$2600.00} in XX/XX/XXXX. I have reached out to Receivables Performance at their phone number and was told they have no record of this in their system, and thus asked me to pursue with XXXX. I have filed several disputes through XXXX and the latest results were this : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
If our reinvestigation has not resolved your dispute. 

The negative report remains, and I believe I am out of options to pursue this through either Receivables Performance or XXXX. Can you please help? 

FYI- I do not and never have had an account with XXXX. 

This is the full information from the XXXX report : Account name RECEIVABLES PERFORMANCE Account number XXXX Recent balance {$2600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXXXXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$2600.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Your statement Y ITEM DISPUTED BY CONSUMER Reinvestigation information This item was updated from our processing of your dispute in 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 explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions 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 have a charge-off reporting on my credit file with Experian. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified 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