BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
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 have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I contacted the bank and they agreed to remove the account from my file BUT TransUnion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Transunion. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE this account that caused me so much trauma. 

XXXX XXXX XXXXXXXX

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( s ) ( XXXX, XXXX, and TransUnion ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( s ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  XXXX services, Fair Credit Reporting Act, Section 609 Letters to the company ( s ) XXXX, XXXX, and TransUnion. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO 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 2022-03-18
Company: SYNCHRONY FINANCIAL
State: NC
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:
Regarding Synchrony Care Credit Account : I havent used for years. They added a added fee to each month from anywhere between $ XXXX each month. I have made all my payments on time. 

Since XX/XX/XXXX I have paid a total of XXXX as of XX/XX/XXXX. My balance is still over XXXX according to a XXXX search, They add a XXXX fee for every {$100.00} buck according to info online. I've paid over {$2000.00} in the last year and my balance has hardly decreased. I am unsure how much that I was charged and when it started. I have never authorization that type of insurance because, I have a stable job that is salary and make over XXXX a year. 

I want to find out when these charges started and I want a full refund of all the payments because this insurance was NEVER authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: MO
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 contacted Equifax 3 times in last year, XX/XX/2019 being last date I sent letter. I received no response. I have ask for proof of debt on account number XXXX as of today I have no idea what the out come of their investigation. I believe this debt is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax is reporting the wrong addresses on my credit report listed below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Chime Financial Inc
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
HAD A CHIME BANK CARD ABOUT 2 YEARS AGO. LATELY HAVE BEEN GETTING EMAIL - AD TO APPLY FOR A CARD. WHEN I DID HAVE ONE I HAD PROBLEMS GETTING THE RIGHT FUNDS ON THE CARD AND THE CARD WOULD BE USEABLE AND THEN NOT USEABLE. I APPLIED AGAIN RECENTLY ( ABOUT XXXX DAYS AGO ), AND IT WAS DENIED. I APPLIED A FEW MONTHS AGO WITH A DIFFERENT EMAIL AND THAT ONE WAS DECLINED AS WELL. XXXX 'S A PERSISTENT AD THAT IS IN MY INBOX EVEN AFTER I CHECK THAT I *DO N'T WANT* TO SEE THE AD. 
ANOTHER POINT, I MAY HAVE USED IT BEFORE TO GET DIRECT DEPOSIT FOR TAX REFUND, THIS WOULD HAVE BEEN XXXX TAX YEAR. MY INFORMATION COULD POSSIBLY BE STORED WITH THE COMPANY WHO I LAST GAVE THIS INFORMATION TO. WITH DATA SELLERS, DATA BROKERS AND HACKERS- IM CONCERNED THAT SOMEBODY MIGHT HAVE ACCESS TO MORE INFORMATION THAN THEY NEED OR THAT I WOULD HAVE GIVEN ACCESS TO. I USE PRE-PAID ACCOUNT CARDS OVER TRADITIONAL BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: NC
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 a victim of Identity Theft due to a Data Breach. The fraudulent accounts have been identified in a dispute placed with the three major Creit Reporting Agencies via mail sent on XX/XX/2019. The Items I have identified and highlighted from credit reports do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681 : once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
adding to my complaint - Complaint Number XXXX I have asked that all Medical Reported Debt be removed from my credit report - Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. 

Such as XXXX XXXX XXXX for {$1200.00} XXXX XXXX XXXX for {$9100.00} Also All student Loans - Related to XXXX XXXX need to be removed as well ( See Letter attached )

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 2022-08-09
Company: LEXISNEXIS
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:
on XX/XX/2022 I realized that LexisNexis was furnishing a consumer report on my behalf without the written or verbal consent directly from me the consumer, which is a federal violation of the FCRA. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave LexisNexis any instructions to furnish a consumer report on my behalf. On XX/XX/2022 I received a letter from LexisNexis informing me that I had successfully op-out of there system and the pin code to review this full consumer report, Upon reviewing this consumer report I notice LexisNexis have been furnishing vital personal information on my report which is also I direct violation of 15 U.S.C 1681 ( a ) ( 4 ) my rights have been infringed upon by LexisNexis due to this information being furnished. On XX/XX/2022 I sent LexisNexis a Affidavit informing them of the Consumer violations that they have committed against me in an attempt to have them remedy the situation by removing my name from there website and stop furnishing this report. I also attached to that Affidavit a letter directly from the XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 that states they do not share personal information with Credit reporting agency on any kind. I requested that LexisNexis do a full investigative report into the information that is being furnish on this report and mail it to me. directly. They are running my reputation as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
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:
INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 

1.XXXX Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, someone opened an XXXX XXXX XXXX XXXX account or bought something there using my information/credit account. On XX/XX/XXXX it was reported to XXXX as Delinquent, bringing my score down by XXXX POINTS! I called the collection company : Sunrise Credit Services and told them this was fraud. Furthermore, I told them I received no notices beforehand that payments were behind, which is industry standard when payments are missed ... meaning the address they have for the person who used my credit must clearly be different. I told them I have used : XXXX, XXXX, and XXXX XXXX for the last 20+ years. I found out that a very old address was used in connection with accessing my credit, so perhaps they had used it instead of one of my newer XXXX addresses from moves I've made over the years. Sunrise Credit Services provided me with the phone number of the person who used my information, so this should easily be traceable : XXXX. I have submitted a fraud report with XXXX and they need a copy of the report from FTC/cfpb to add to their documentation. The amount I am fraudulently being held responsible for is {$1300.00}. I will now begin to pay the {$24.00} XXXX requires to " LOCK '' a credit account as this monthly fee will be well worth avoiding this happening 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 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 COMPANY IS IN COMMITTING IDENTITY THEFT BY REPORTING INFORMATION OF MY CREDIT REPORT WITHOUT MY CONSENT AND ALSO VIOLATING 15 US CODE $ 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

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 2023-12-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been contacting BMO bank since XX/XX/XXXX regarding incorrect distribution of my monthly payments on my RV loan. All of my payment is being made to interest for XXXX and XXXX payments. My loan was established at the time that BMO absorbed Bank of the West. I called the XXXX number on multiple occasions and was told it was a known issue during system transfer and it would be fixed. I called again on XXXX and I was told a ticket was submitted. On XX/XX/XXXX I was told it was in process and would take XXXX business days. In the meantime I made my XXXX payment and reviewed my account and the payment was split between interest and principal by the system. I called back on XX/XX/XXXX to find out when XXXX and XXXX would be corrected. I was told another ticket would be submitted. I called back on XX/XX/XXXX and the correction is still not made and the representative stated that no notes existed for my prior call on XX/XX/XXXX. The rep on XX/XX/XXXX resubmitted with XXXX case IDs which were provided to me and they are XXXX and XXXX. They are still telling me 3-5 business days and maybe someone will call me back. They also stated that initially payments go to interest. That is inaccurate. Any loan payment has the majority going to interest and a small amount to principal. Their system did the allocation itself in XXXX. Why is this not occurring for XXXX and XXXX? Also, they still have yet to provide me with a payment schedule for the life of the loan. I need to this to be resolved and my payment information to be accurate.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: OH
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:
Permanently Delete all inquiries that are not linked to an open account due to the fact that they are fraudulent inquiries not done or recognized by my person or did I provide my consent. All inquiries have been permanently deleted from XXXX and should be removed from XXXX and Experian

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 2023-12-07
Company: Resurgent Capital Services L.P.
State: PA
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:
I kindly request that you thoroughly validate these accounts, as I wish to ensure that I am not erroneously charged for any debts that do not belong to me. In order to avoid any misunderstandings or disputes, please provide me with concrete evidence and documentation that supports the existence and amount of these alleged debts. I appreciate your prompt attention to this matter, as I am eager to resolve any discrepancies and ensure the accuracy of my credit report. 

XXXXXXXX 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 XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 XXXX an unauthorized charge of {$0.00} was charged onto my card. I called Chase and was transferred around a few times and the representative assured me that all I needed to do was change my card number. I hope this won't happen again. I spent over an hour on the phone to get to the right department. This has been an ongoing issue with Chase. Out of all the banks I have worked with, their service line is by far the worst. And more often than not, I am transferred to oversea agents who can not understand my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please see attached files that I am trying to get rid of in my report. They are not supposed to be there, they are unverified and inaccurate. I have already been writing to the bureaus bit wouldn't listen. I hope you guys can help me out on this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
After putting this company on notice in writing regarding being a victim of identity theft, private information being reported without consent, and requesting proper documentation proofing validation and consent with my signature I am still being violated as a consumer. I submitted a previous complaint trying to rectify the situation with the company and received a generic letter in the mail allegeding that they have proper validation without sending documentation as evidence. This company continuing to report my private nonpublic information is a direct violation to me the consumer pursuant to 15 USC 6801. If this company can not provide documentation of consent and validation bearing my signature I demand that all information being reported about an accountXXXXby XXXX XXXX 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 explanation