BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: IN
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:
Experian a 3rd party reporting agency who is not allowed to furnish any report without my consent ( 15 USC 1681B ) refuses to correct information on my consumer report with regards to an account XXXX  XXXX XXXX XXXX. the account is fraud and i am in dispute with citizens one auto finance so until the matter is completed, Experian should not report the account. the account was closed/written/charged off in XXXX of XXXX and Experian has another charge off date as of XX/XX/XXXX, this is largely inaccurate and affecting my score. according to irs publication XXXX a charge off is claimed as income on my tax return so how is it reported as a debt? another inaccuracy! i have no contract with XXXX  XXXX XXXX  XXXX  making me obligated to perform any duties to them, i have not received the original contract from citizens or Experian. Experian has refused to show me how they validated this report - what process was used, employee who handled the process, information that was gathered on the account for the report. 
12 USC XXXX2 & 83- states bank can not loan money so i'm confused on what XXXX XXXX XXXX  is speaking of? 
15 USC 41 & 1692g- the debt is now officially in dispute, by law all activities must cease until the matter is resolved due to the fraud of this matter i am able to right to recession 12cfr & 226.15 u.c.c. 1-201 & 4 -unathorized signature made without actual, implied, or apparent authority i have not been able to cross examine XXXX XXXXXXXX XXXX XXXX  about the matter, i have spoken with representatives of XXXX  XXXX XXXX XXXX but since the representative didn't sign the contract i need to speak directly to XXXX XXXX XXXX XXXX since that is supposedly has first hand knowledge of the situation, first hand knowledge refers to someone who was the witness and or saw or was in the room with me signing that contract, haven't spoken to anyone. 
XXXX XXXX XXXX XXXX seems to be furninshing false and deceptive forms to make it look like i owe a debt 15 USC 169J 15 USC 1692b ( 2 ) -stating a consumer owes a debt when if fact eh consumer does not

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 2023-06-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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

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 2022-12-09
Company: AMERICAN EXPRESS COMPANY
State: AZ
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: Overcharged for something you did purchase with the card

Complaint:
My name is XXXX XXXX, I have an AMEX platinum card ending in XXXX. I purchase a XXXX XXXX-year membership on XX/XX/2022, and I cancel the XXXX  membership on XX/XX/2022. XXXX stated that the unused membership will be prorated refunded, and that's the two charges of {$15.00} refunded showing on XX/XX/2022. However, AMEX recharge the XXXX {$15.00} on my account on XX/XX/XXXX. This is not right, since I get no refund from XXXX at all. I called AMEX and the agent said he will file a case to get both charges refunded, but until now I don't see any refund of the XXXX {$15.00} on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX  number XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Reference complaint XXXX Synchrony bank closed three credit cards-JCPenney, HSN and QVC on the same date I accidently made an overpayment and their customer service told me that anytime they received an overpayment that Synchrony shut down any credit cards that the customer had. 
The letters they sent me, and I assue they sent to the credit bureau said my payment history indicated a risk of failure to pay. This is an untrue statement and I want a new notification that states the true reason for closure because there is NOTHING in my payment history that shows any kind of risk of failure to pay-this is a LIE!! 

My credit should not be judged on a false statement given by Synchrony. The answer to the original complaing is ambiguous-thay say it might not be for that reason that the account was closed! So state the real reason or reopen the accounts! 
Also, in answering the originl complaint, they sent an email with a name and phone number to call to discuss. I called at least 12 different times and left messages but no one called me back-the response said this woman tried to call me one time and didnt get an answer-she left no message so we could connect and discuss. They purposely sent out contact information with no intention of actually talking to me. I want a letter from Synchrony that does NOT say " Risk of failure to pay '' because that is untrue and a slanderous statement that they are communcating to the credit bureau and I am being judged unfairly. Tell the truth Synchrony and cease and desist sending false info to the credit bureau! Correct the closing reason or reopen the accounts! Correct the information you sent to the credit bureau.

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 2022-07-24
Company: Experian Information Solutions Inc.
State: CT
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 began to write disputes to each credit bureau ( XXXX, XXXX XXXX Experian ) In XX/XX/2022 about Inaccurate information being reported on my credit Report. I Read the FCRA guidelines which specifically state that if An account is Inaccurate then it must be Fixed within 30 days or deleted. These credit bureaus have answered with nothing more than A letter saying its been verified but when i asked for the specifics of How these inaccurate accounts were Verified ; I got No answer. 
They send me letter stating that they have received my dispute but then they did nothing to Remedy the inaccuracies. 
I Stated to them that I read How after not updating the correct info, Not Verifying after being asked to verify and Not deleting these accounts that they were in Violation of 15 USC 1681, reporting old debts as new or re-aged and Also Reporting payment activity in the payment history section after the accounts Were charged off and closed.

Im getting tired of sending letters to all 3 of these bureaus to no avail. Im no lawyer but i can read. From what ive learned the damages being caused by these bureaus is Worth me consulting with an attorney. Please help me because I was told that the CFPB is for Consumer rights that are being violated.

I will attach all proof and letters to this complaint as well. All my mail was sent out certified so they can't say they didnt get my disputes. They just keep choosing to break the law and It needs to stop

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 2021-10-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit bureaus continue to report incorrect debt to income even though a number of loans have been paid off or down. Furthermore other third party credit bureaus use their incorrect information to report to lenders and others incorrectly. In my opinion a sham system. Creating denial of credit. Off shore staff maintains access to my personal data ... fact by their own admission and one they never address XXXX does the so called CF PROTECTION bureau. Debt to income much lower!!

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXXXXXX XXXX  Account/Reference 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 2022-04-21
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
The XXXXXXXX XXXX company submit an application for a loan for me and they asked the Credco credit company to run my credit report without my authorization and my consent. I recieved by mail a copy of my credit report and a Loan application number, and I didnt ask them to do that.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : 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 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 2022-09-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: CITIBANK, N.A.
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:
Citibank sent the XXXX police XXXX to my house at XXXX XXXX on XX/XX/2023 saying I threatened them when I never said those comments. I have been trying to get case resolved since XXXX and representatives keep repeatedly hanging up the phone.I have a permanent XXXX and Citibank causing unduly stress over getting these credit inquiries off my reports. I had to check myself into the hospital because of chest pain Citibank is causing me. I am demanding a phone call from the XXXX and apology because no reason that cops should been called on me. I am filing a Congressional complaint if CFPB doesnt resolve the issue.

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 2022-06-02
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Entered a XXXX sweepstakes and this scammer got me good took {$2600.00} from me now chime wont even respond to me!!! Every time I call they say for me to email this and email that nobody ever responses. My dispute was also denied!!!! Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Southwest Credit Systems, L.P.
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: Account information incorrect

Complaint:
Southwest credit systems reported an existing account with an incorrect balance to my credit report the day after my credit report for the month of XXXX became available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Santander Consumer USA Holdings 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:
XX/XX/2020, I contacted the XXXX number as instructed only to find out that my current account that has always been paid as agreed will not be reported to any Credit Agency because even though my Bankruptcy was dismissed prior to my loan with Santander. 

Santander has a policy not to report on those accounts however Santander will not even release to me that policy in writing. I find this very interesting. 

Santander is a sub prime type lender. I have made every effort to make my payments before or by the due date as my sincere desire is to improve my credit status and maintain it. However I while I appreciate the services that they have provided for me I do pay a high interest rate and am really working diligently to qualify for lower rates in the future. Please note that it does benefit this type of lender not to report favorably on those who are making on time as agreed or better payments. 

Thank you for reviewing this matter. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: ACIMA CREDIT, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Acima digital FKA account, this is not my account. It is my XXXX XXXX XXXX account and I do not have the equipment or whatever was purchased. I have no idea what this account is for and did not give anyone authorization to purchase something under my credit. This needs to come off my credit report, I do not owe this money. I am trying to purchase a home for myself and XXXX children. I need this off my credit reports. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: AMERICAN PACIFIC MORTGAGE
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage and got stuck with American Pacific Mortgage. Our first payment was due XXXX XXXX. We made a payment of {$1000.00} by check on XXXX and the company received on XXXX XXXX. Our payment due each month is {$760.00}. Our XXXX XXXX payment was also by check and was received XXXX XXXX also for {$1000.00}. Our XXXX XXXX payment was made electronically on XXXX XXXX and received on XXXX XXXX for {$1000.00}. Our XXXX XXXX XXXX payment was made electronically on XXXX XXXX and received XXXX XXXX also for {$1000.00}. Our XXXX XXXX electronic payment was sent XXXX XXXX and received XXXX XXXX for {$1000.00}. 

They are saying we are behind one payment which is incorrect. We have been calling this company since XXXX to get this situation resolved. We have sent to them copies of the checks from our bank and a list of our electronic payments from our bank. We are constantly being told that they are researching the issue and that it will be resolved. The problem is that every time we call we are told of a new date that it will be resolved and this has happened numerous times. They have also applied two late payment fees. We have spoken to supervisors and this is still not resolved. 

We feel that this should be an easy situation to resolve since we have only made 5 payments. We are beginning to think that they just don't care to resolve.

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 2022-07-24
Company: KEYCORP
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Key bank is charging me a monthly interest fee if though my payment is automatically submitted at the same time before the end of every month. They have not communicated that the payment date is insufficient to process my payment in a timely manner. Their interest fee of $ XXXX is nearly one third of my payment quantity which is already only paying a fraction of the principal. This seems like they are manipulating my payment process to increase their revenue model. This has been happening for several months and has decreased the efficacy of my submitted payments against my true balance.

Company response to consumer: Closed with explanation