BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted : Account Name and Account Number : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, State, and Zip : XXXX WI XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX ALL RIGHTS RESERVED

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 2022-11-04
Company: Experian Information Solutions Inc.
State: WI
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:
Asked the CRAS to verify account # XXXX filed XXXX XXXX and I checked they are still reporting inaccurate information.

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 2020-04-10
Company: CITIBANK, N.A.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
I FILED A DISPUTE WITH CITI BANK IN XX/XX/2019 REGARDING THE PURCHASE OF A MATTRESS IN THE AMOUNT OF {$1100.00}. I DISCUSSED THIS PROBLEM WITH CIITBANK BUT ANYWAY REVERSED THE CHARGES BACK ONTO MY CREIDT CARD EVEN THOUGH IT WAS NOT MY FAULT. I HAVE ATTEMPTED TO CONTACT CITIBANK SEVERAL TIMES BY PHONE, INTERNET AND MAIL, BUT DUE TO THE VIRUS THEY CLAIM RESPONSE IS DELAYED, BUT IN FACT THEY CAN NOT BE CONTACTED AT ALL. I ALSO FORWARDED A RETURN RECEIPT LETTER TO THEM AND I DO NOT WANT TO INCUR ADDITIONAL CHARGES FROM THIS MISTAKE. 

THE XXXX XXXX ( SLEEP HAPPENS ) FAILED TO DELIVER A MATTRESS TO ME ON TIME. RESULTING WITH NOTHING TO SLEEP ON I WAS FORCED TO BUY AN AIR MATTRESS THEN PURCHASE ANOTHER MATTRESS FROM A  DIFFERENT COMPANY ... THIS COST WAS OUT OF MY OWN POCKET EVEN THOUGH THE MATTRESS COMPANY WAS IN ERROR. 

CITIBANK XXXX, XXXX XXXX, SD 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 2023-12-30
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please see attached document. 

I am opting out of Credit Reporting with Ally Financial.

Any negative remarks on any of my consumer reports should be promptly removed due to reporting to a third party being a direct violation of the Privacy Act of 1974, : The FCRA, 15 U.S. Code 1681b section 2, 15 U.S. Code 1666b, as well as 15 U.S. Code 6802.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this matter with the credit reporting agencies and the involved creditors, I have not received a satisfactory resolution. 

I have recently discovered that there are several accounts listed on my credit report that I have no knowledge of and have never opened. These fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I believe that my personal information has been compromised. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to rectify the situation. I also request that the fraudulent accounts be removed from my credit report promptly, as they are severely affecting my creditworthiness and financial well-being.

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 2020-04-10
Company: JPMORGAN CHASE & CO.
State: CA
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 rented a car in XXXX, XXXX on XX/XX/XXXX from XXXX  and was charged {$180.00} more than my written quote. Once I returned to the U.S. on XX/XX/XXXX, I called Chase to dispute being overcharge by {$180.00} by XXXX XXXX ( who charged me {$470.00} on XX/XX/XXXX and the transaction posted to my account on XX/XX/XXXX ). Chase reversed the {$180.00} charge while the fraud department allegedly reviewed the case. Despite providing documentation to Chase proving I was overcharged, they ruled in XXXX XXXX 's favor and re-billed my credit card for {$180.00} on my XXXX statement. 

Upon receiving my XXXX statement from Chase, I noticed the following three new charges from XXXX XXXX : 1. {$52.00} on XX/XX/XXXX 2. {$53.00} on XX/XX/XXXX XXXX. {$53.00} on XX/XX/XXXX ( the exact same amount a # 2 on charged on the exact same day ) I proceeded to call Chase to dispute these three new charges by XXXX XXXX totaling {$160.00}. I have called and written Chase repeated and still have no resolution on the {$160.00} of fraudulent charges. I returned home on XX/XX/XXXX and have absolutely no idea why or what for XXXX XXXX was charging me for on XX/XX/XXXX and XX/XX/XXXX. Chase somehow send the {$52.00} dispute to their " compliance department '' and the two, {$53.00} charges went to their fraud department. Nobody I have spoken with has any idea why this happened, nor can they provide me with any information on the status of my disputes. I have spent more than 10 hours on hold and speaking with various " customer service '' representatives in overseas call centers who have no information and simply transfer around to different departments. 

I am beyond frustrated at this point. I have now been charged {$630.00} ( {$470.00} + {$160.00} ) by XXXX XXXX for a rental car that I was provided a written quote for approximately {$290.00} ( the quote was EUR XXXX ). Chase is a colossal global financial institution who provides who could not care less about its customers. I want a fair and rapid resolution as this has been going on for more than three months and I have invested way too much time and energy seeking a fair resolution. Chase is as much at fault as XXXX XXXX, by failing to review the facts of these disputes and stonewalling every attempt I have made to get resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: CA
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 ( ACCOUNT NAME : XXXX 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

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There is an inquiry on my Trans Union credit report from XXXX XXXX on XX/XX/2023 that was not made by me. I contacted XXXX XXXX at the address on the credit report and asked why they had accessed my credit. They asked for a copy of the credit report showing the inquiry which I provided them. I was informed they would investigate the matter and respond in writing. Attached is their response.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: NC
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 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 explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2018-07-30
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had fraud on my Wells Fargo Credit Card the end of XX/XX/XXXX and funds returned XX/XX/2018 in the amount of {$1200.00}, this was including the Adjustment Purchases and Interest adjustment as well and these were International charges as well. Wells Fargo replaced my card with a new one as well. On XX/XX/2018 my account showed 2 bank adjustment 's one for {$430.00} and the 2nd for {$140.00}. I saw these charges XX/XX/XXXX and called in about them. They explained that one of the International merchants had returned funds and it had gone to the old credit card number that had fraud on it originally ; the system in error did a bank adjustment on my new card and added the two amounts making me responsible in paying them back. They stated that the system would correct the error in 24 to 48 business hours. That time passed and I called back again being told the same thing, they stated that they would do a manual adjustment so those charges would be removed from my account but it never happened. I was then told in the beginning of XX/XX/XXXX when I called back that the fraud department was not allowing the correction to be made. XX/XX/XXXX I called customer care to request a case be opened as I was beyond frustrated by this situation. The customer care representative agreed that there was an error and attempted to resolve it with fraud and had no luck. He opened a case # XXXX and told me it would take a few days. A week passed and I called again XX/XX/XXXX and was told a XXXX  was assigned to it but nothing had been started yet but I would hear back from him. I still had not heard anything and called XX/XX/XXXX XXXX and spoke with a XXXX XXXX who was very helpful. She also reached out to fraud and found them to be very frustrating, she compiled an email to make clear what had happened and what needed to be done. XX/XX/XXXX she let me know she was told by a fraud manager that they  would make the corrections and would credit my account the {$570.00}. It would again take 24 to 48 business hours to complete. I checked my account on XX/XX/XXXX and saw that they did not credit my account but did a balance transfer of two amounts of {$140.00} and {$430.00} ( the original amounts that were to be removed ) as a debit to my new card. So I am now carrying a balance of {$1100.00} on my credit card that were from fraudulent charges. Wells Fargo has not fixed this error and has only made this worse. This high balance on my card is affecting my credit and I am being held responsible to pay for charges that are not mine. I will attempt to call back again to try and resolve this situation but I feel I am being victimized by Wells Fargo by them not fixing this error ( s ).

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 2022-03-07
Company: Experian Information Solutions Inc.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX, XXXX, and TransUnion regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have sent multiple letters to the XXXX XXXX XXXX on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. In these letters, I requested that the XXXX XXXX XXXX confirm the validity of the debt and cease collection efforts as required by applicable state and federal laws. Despite my requests, the XXXX XXXX XXXX failed to respond to the letters sent on XX/XX/2023, and XX/XX/2023. Moreover, they continued to report the debt to the credit bureaus, which I believe is a clear violation of my rights under the FDCPA and the FCRA for their failure to verify the debt, cease collection efforts, and for inaccurate reporting. on XX/XX/2023, I called XXXX XXXX XXXX in regard to their failure to respond to my letter and they sent me a via email with nothing I have asked from my validation letter and was past the 30 days time frame from XX/XX/2023, when I first asked for them to verify the debt with me. 

Furthermore, I have evidence from the XXXX XXXX XXXX XXXX XXXX XXXX  reviews showing that the XXXX XXXX XXXX has engaged in similar practices with other individuals. They have consistently failed to send validation of debt or respond to validation requests, failing to follow the guidelines set forth by the FDCPA and FCRA. 

In addition to these violations, I have been unable to obtain my free credit reports from XXXX and TransUnion via XXXX for the past XXXX months, which is a violation of my rights under the FCRA. This inability to access my credit reports has further hindered my ability to address and correct inaccuracies. I also want to point out that in my credit report XXXX XXXX XXXX has XXXX different addresses and phone numbers on my credit report and none of those addresses/phone numbers matches the address or number they have on their website which is inaccurate and confusing to me I kindly request that the CFPB investigate these violations of the FDCPA and FCRA by XXXX XXXX XXXXXXXX XXXX XXXX, and TransUnion, and take appropriate actions to remedy these issues. Additionally, I request that appropriate enforcement actions be taken against the XXXX XXXX XXXX for its continued violations, as demonstrated by the evidence provided. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including my certified letters to the credit bureaus and XXXX XXXX XXXX, as well as their responses, and evidence from the XXXX demonstrating their repeated violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In order to ensure and obtain a 100 % accurate and verifiable credit report In accordance with the FCRA, I have requested that XXXX, XXXX, and Transunion to remove an unverifiable account from my credit report via US mail and online dispute. I have stated that I am not liable for any debt with XXXX XXXX XXXX account : XXXX or XXXX XXXXXXXX XXXX XXXX. I have not signed any contract with them whatsoever. 
Moreover, the credit agencies have not provided me with any of the documentation or proof that I've been requesting- via mail or online, yet they are consistently updating my disputes to include XXXX XXXX XXXX XXXX 

In addition to me disputing the account in its entirety, there are several inaccuracies reporting on XXXX and XXXX beginning in XX/XX/XXXX and then from XX/XX/XXXX through XX/XX/XXXX. XXXX has also mistakenly or falsely labeled my dispute reasons as : '' Invalid date '' However, I am 100 % certain that I submitted each dispute for XXXX XXXX XXXX as : " I do not recognize this account ''. 

The failure of the credit reporting agencies to timely and accurately verify this is account is negatively impacting my credit score and decreasing my chance at being accepted into a first time homebuyers program. I need a resolution as soon as possible. 
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 non-monetary relief
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has my account frozen and in dispute for 4 months. I can't get a response. I'm on hold until they obey the law.

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 2018-07-30
Company: Selene Finance LP
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: Account information incorrect

Complaint:
Hello, I was working with another company regarding a business mater. 
I was told by the other company that I have not paid my mortgage since XX/XX/2018. I have paid my mortgage and the mortgage is current.. My mortgage is showing at the credit bureau that I have not paid my mortgage since XX/XX/2018. 
This can effect my credit score as well as other adverse actions.

Also, I have not received my mortgage statement since XX/XX/2018. When I call Selene Finance XXXX XXXX a customer service agent said a third party administrator will send the statement. I have been calling since XX/XX/18. 

Please help.

Company response to consumer: Closed with explanation