BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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 3 Credit Bureaus Experian, XXXX, and XXXX need to be held accountable for the injustices they have burdened me with. My credit report shows an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... ) That is full of inaccurate information. If they are getting this information from the same data furnisher, then how is it that they all have different information being reported? My credit report has to be 100 % accurate, and 100 % consistent, and 100 % verifiable. 1 ) The account status shows as Indeterminate. This account can either be Open or Closed NOT indeterminate. 2 ) XXXX is reporting a balance of XXXX $ on a closed account that has evidently been purchased by another per the remarks associated with this account. 3 ) If the account has been purchased by another lender, the Original Creditor can no longer report information of this account. 4 ) The date last reported has different information reported between the three Bureaus, XXXX. Yet another inconsistency. 5 ) the XXXX record of payment history is all jacked up, full of unfactual payment history. XX/XX/XXXX XXXX reported that I was 30 days late when Experian shows that I paid on time, while XXXX holds no payment history at all. Again, in XXXX of XXXX XXXX reports me as 30days late when Experian shows I paid on time, no payment reported from XXXX. From XXXX of XXXX to XXXX of XXXX my payment history is reported Inconsistently ( See attachment ). My payments were never late, and the account is closed. These false and inaccurate late payments have tarnished my credit rating. I want this erroneous data deleted from my consumer profile 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 explanation
Consumer complaint received 2023-03-09
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 status incorrect

Complaint:
accounts are either listed as charged off, collection, or closed and showing a 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 2023-09-07
Company: Chime Financial Inc
State: MO
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:
Chime allowed XXXX to withdraw XXXX dollars from my account. XXXX had charges my account XXXX plus XXXX I called and disputed the XXXX and chime refunded my account the XXXX I was able to transfer back. I thought it was all over than I'm looking at my statement and there was 2 more XXXX dollars taken from my chime account. I have called and filed 5 disputes and chime keeps saying XXXX done nothing wrong even tho I can't get my money back from them. They won't even respond anymore to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
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: Information belongs to someone else

Complaint:
I am in the process of purchasing a home and my realtor pointed out several accounts showing on my credit profile that I have never opened nor have any knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: PlusFour, 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: Information belongs to someone else

Complaint:
I am in the process of purchasing a home and my realtor pointed out several accounts showing on my credit profile that I have never opened nor have any knowledge of

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 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
US POSTAL SERVICE CERTIFIED MAIL XXXX On XX/XX/XXXX, I sent certified mail to XXXX XXXX. They have received the letter and fail to respond. RE : Violations I pull my credit report and notice you ( XXXX XXXX ) pull my XXXX consumer report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without a verbal or written consent from me. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. According to the Privacy Act of 1974 552a ( 1974 ) The purpose of the Privacy Act is to balance the government 's need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies ' collection, maintenance, use, and disclosure of personal information. Because you did not have my permission to access my consumer report. Theres a penalty of {$500.00} per date you ( XXXX XXXX ) pull my consumer report. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I am maintaining a detail record of all communication.

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 2023-09-06
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
When signing up for electronic statements on my XXXX XXXX card with Barclays I inadvertently made an error on my email address ( inputting XXXX XXXX XXXX instead of " XXXX XXXX' ). A charge of {$5.00} was then made to XXXX XXXX on the card which I forgotten was used as a default payment. As I did not receive email or written notification of the charge and subsequent delinquencies I was unaware of the balance. It was not brought to my attention until a credit reporting agency sent a notification of a decrease in my once excellent credit score, showing that Barclays reported a 30 day and 60 day delinquency. I immediately paid the {$5.00} and although Barclays waived the late fee and interest they refuse to remove the late payments from my credit report. I understand that Barclays is required to report late payments however, I am truly not a credit risk and under these circumstances ( the nominal {$5.00} amount and the typographical error ) I am hoping that they will make one time courtesy adjustment. I also hope that Barclays would do as some other banking institutions do and verify emails when they are input into their system and also send out written notifications of delinquencies, so as to avoid issues like this 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 2023-07-25
Company: EQUIFAX, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Credit Card with account # XXXX opened XX/XX/2019 and a balance of {$0.00}. 

This is not my personal account so therefor please remove the account from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my vehicle totaled XX/XX/2020 and my car insurance through XXXX paid off my balance immediately. I have attempted to dispute this and told them to remove it because it was paid off. They refused to remove it. Also, I was NOT given a chance to dispute this debt before it suddenly appeared on my credit reports. I have had zero contact with them and received zero notice validating this debt and had a chance to dispute it before they decided to violate my rights and ruin my credit. I dont even know what this amount is for!!! I do not owe this money and this company violated my rights and the law. The information and dates are unknown to me as well! The dispute is NOT resolved like they made a comment on the collection. This company didnt even provide me with a debt validation or proof after I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
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:
I have made many attempts to dispute the Inquiries that is reporting on my Credit File ( Equifax and XXXX  ). These inquiries was not authorized by me. These inquiries was a result of fraud. Please assist me in getting them removed from my XXXX  and Equifax.

Equifax : XXXX XXXX ( 2 times ) and XXXX  XXXX  : XXXX XXXX ( 2 times ), XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Trying to switch to SAVE Plan. No one at Nelnet is answering the phone and no one is answering email. Application is still processing and it has been longer than time it would take to switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/23 I received an alert from XXXX ( an identity protection service ), that a company viewed my credit report, resulting in a hard inquiry. The inquiry was from XXXX. 

I however did not apply for any form of credit so was perplexed and alarmed by this. 

After doing some research, I found that this happened to a lot of people on the same day. See this thread on XXXX : https : XXXX I have tried to call both Transunion and XXXX, but no one gets back to me ever. I want this inquiry removed as it was unauthorized and thus, unlawful.

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 2020-04-06
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2020 my Wells Fargo business account was stolen and used without my permission. I reported the fraud and filed a police report on the matter. I contacted Wells Fargo and they credited back the amount at first. After investigation by Wells Fargo they charged/reversed the credit on my account the amount I reported as fraud. They said that since the PIN # was used they didnt find it as fraud. It 100 % is fraud and I never gave anyone permission to use my account and NO one knows my PIN #. I have no idea how someone obtained my PIN # and I have it nowhere written down. Wells Fargo is NOT helping me out as a customer that has been a victim of FRAUD

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 2023-09-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am trying to qualify for a loan and I need a copy of the most recent statement for my Synchrony Bank Amazon Prime Credit Card Account. The statement cutoff time was XX/XX/XXXX, and today is XX/XX/XXXX but this statement is not on their website. I called in and spoke to " XXXX '' who is in XXXX around XXXX Arizona XXXX on Saturday XX/XX/XXXX who said she would " put in the request '' to send me a copy of the most recent statement but they would not be able to mail out until XX/XX/XXXX. I need the statement right now. I have never received a paper statement from Synchrony Bank XXXX XXXX regarding their credit card account. I asked to speak to a supervisor, XXXX said ok one moment and she would transfer me. She put me on hold, and as I expected they would do, they hung up on me. I feel like Synchrony Bank ( which literally has a XXXX out of XXXX stars rating online ) is being obsure and opaque with sharing my own account information. They are reporting this information on my credit report but refusing to provide me ( or any customers ) with documentation regarding their credit card account. I believe this is in violation of Federal laws including the Truth in Lending Act, the CARD act of 2009 and the Fair Credit Reporting Act. I want Synchrony Bank Amazon Prime to send me my most recently immediately and not hang up on me or refuse to help me. They should not be allowed to have credit card business in the United States if they are not willing to comply with the laws that protect consumers. Thank you.

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: Advanced Resolution Services Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Requested the the security freeze on my peronal file and have being denied twice. How ever all the necessary documentation were provided.ARS Advanced Resolution Services is play game with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: DApps Platform, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX {$200.00}, XX/XX/XXXX {$800.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$550.00}, XXXX {$850.00}, XXXX {$60.00}, XXXX {$570.00}, XXXX {$2000.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1100.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$60.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$60.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$550.00}, XX/XX/XXXX {$520.00}, XX/XX/XXXX {$600.00}, XXXX {$640.00}, XXXX {$600.00}, XXXX {$500.00}, XXXX {$800.00}, XXXX {$900.00}, XXXX {$300.00}, XXXX {$400.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX, {$500.00}, XXXX {$1500.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XXXX XXXX, XXXX {$1200.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$100.00} and XX/XX/XXXX {$850.00}. This totals {$59000.00}. 

Four times I have put in to have my money released since the middle of XXXX. Trust Wallet decided instead of releasing my money to put it in a VIP account. For {$20000.00} I would not have any additional fees and could have my money released per the email they sent me. An activation deposit was sent. {$20000.00} was sent. No mention of a late fee. XX/XX/XXXX, it was paid off XXXX. I received an email I would receive my money in XXXX to 10 days. A few hours ago I received an email I now owe a {$550.00} late fee. Late fee? I have no emails from this company about a deadline or late fee. They refuse to release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-11
Company: RentDebt Automated Collections, LLC
State: NY
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:
My common in XXXX XXXX XXXX got a job in XXXX Texas and rented a place by XXXX XXXX Apartments XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX, US. I was a consigner since she was new to XXXX and did not have any previous history renting apartments in the XXXX. We signed a contract on 6 months basis from XX/XX/XXXX. Since this was a new job we were told one month notice needed if something changes. Because of Covid 19, the contract was cancelled on XX/XX/XXXX and my partner was asked to relocate immediately to XXXX. She reported it in the XXXX property management and was told to get a written proof by the manager. We have the proof that was issued on XX/XX/XXXX th. Rent was paid until XX/XX/XXXX plus there was down-payment kept by the property management. However, now I am getting threats by collection agency and the amount of RENTAUTOMETED COLE of 6048 was reported on my XXXX Credit Report. I believe that this is completely unjustified. My partner has not been living on that address since XX/XX/XXXX. The company got one month payment until XX/XX/XXXX th XXXX plus down payment. Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently submitted a complaint to Experian stating inconsistency on the report. Their response was that the account was mine for the wrong account. It appears these companies lack common knowledge on verification if they cant research the proper account which i clearly stated. How can they be trusted at their word that they did an investigation in the 1st place. Below is a copy of the letter sent out that list all the inaccuracies. A letter of their inaccurate investigation and a pic of the account that should have been investigated

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 2022-11-03
Company: Experian Information Solutions Inc.
State: PA
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 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 explanation