BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Unauthorized transaction teller withdrawls

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 2023-04-20
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
See attachment regarding the issues that this company has created. Also, THIS IS NOT A NEGOTIABLE INSTRUMENT, WHICH MEANS THIS CAN NOT BE SOLD OR TRANSFERRED! This company has broken the law, and if they don't correct this ASAP, I WILL TAKE THE NEXT STEP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 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 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 explanation
Consumer complaint received 2023-10-06
Company: U.S. BANCORP
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received a mail from CFPB that Elan Financial Services replied to state that my previous complaint ( complaint ID XXXX - XXXX ) lists someone the company does not recognize as their customer and they need to contact me first to release some information. 

Unfortunately, I have not received any phone calls from Elan Financial Services yet and when I tried to call, they never take my calls anymore.

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 2023-08-03
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My card was lost I reported it but Comenity bank refuse to investigate and keep charging me every month {$41.00} in late fees and {$12.00} interest. Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: I.C. System, 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:
I recently checked my consumer report and saw that this company reports debt owed. I did not enter in any contract with this company. Please provide any documentation with my written consent entering in contract with and allowing your company to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.

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 2021-03-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
i have challenge multiple the credit bureaus for them, due to inaccurate information on my credit report and it keep coming back verified, i ask them to provide me with proof that they did a investigation and failed to do so

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 2023-02-07
Company: Experian Information Solutions Inc.
State: MI
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:
Account Name : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - Promptly, delete that item of information from the file of the consumer, or modify that item of information as appropriate, based of the reinvestigation.

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 2022-08-29
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Syncs/XXXX XXXX bank ) on XXXX XXXX look at my credit I didnt do. 

XXXX XXXX XXXX XXXX XXXX ) look at my report I already have a car note wasnt me Synchrony mastercard ( bank ) look at my report those are all places I never put in for.

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 2023-10-16
Company: M&T BANK CORPORATION
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 explanation
Consumer complaint received 2023-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
Portfolio Recovery Associates is reporting an account inaccurately to the Consumer Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information with experian. this has been an ongoing issue that needs to be resolved. it has been multiple times ive addressed this issue an nothing has changed. these has caused alot of denials an information needs to be deleted an verified correctly. please delete an remove the requested information submitted asap.

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 2018-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Trans Union keeps reporting a late payment on my credit report. I dispute it and it goes away. Then it reappears on my credit checks. I believe Trans Union is intentionally doing this in order to skirt the law and have me pay for another credit report after the one free one allowed per 12 months by law.. Trans Union also reports a " hard hit '' on my credit report whenever they " fix '' my complaint making it appear as I am applying for credit from another company.

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 2023-04-20
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2021-10-22
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX-XXXX is horrible. In process if purchasing home. I reached out to them XX/XX/2020 to settle debt. They then placed a dispute on account. Ive been calling to have dispute remove and pay debt. Its a different amount every time. I asked once paid to delete from credit report. They promised it would and it still has not happened. Its paid and still negatively effecting my credit to close on my home. Want it deleted!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To whom it XXXX concern, I recently received my credit report from Experian, XXXX, or XXXX, and I noticed some late payments listed under my consumer report. The account in question, XXXX XXXX XXXX acct XXXX, was previously owned by XXXX XXXX, which appears to be in violation of the law, specifically, 15 USC 1681b, which outlines the permissible purpose of consumer reports. According to the law : - Any consumer reporting agency may provide a consumer report only under certain circumstances, as defined by the law. 
- The law specifies that a consumer report can be provided " in accordance with the written instructions of the consumer to whom it relates. '' I would like to inquire whether I provided written instructions to include this account on my consumer report. Additionally, the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( 2 ) ( a ) ( 1 ), outlines exclusions from a consumer report. It states : - The term " consumer report '' does not include reports that contain information solely about transactions or experiences between the consumer and the entity making the report. 

Considering these legal provisions, I kindly request the removal of the late payment from my consumer report. Failure to respond satisfactorily by deleting the mentioned account and providing a free copy of my report after the necessary changes will leave me with no choice but to take legal action against your company. In such a scenario, I will also seek {$1000.00} per violation for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Debt Collection Practices Act, 15 USC 1692 4. Violations of the Fair Credit Reporting Act, 15 USC 1681, for willful noncompliance, including liability for willful noncompliance under 15 U.S.C 1681n. 

This is me writing this information I have studied the consumer laws and I a consumer I know my legal rights. 

Best Regards,

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 2023-07-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed my account, but before this I overpaid my credit card bill. The balance they owe me is {$35.00}. I would like to receive a check as soon as possible for this balance. It has been in their possession for a long time.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: MS
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:
I have been disputing several items on my credit report that are incorrect and that are being illegally and inaccurately reported. These XXXX are making it hard for me to get credit and to be able to be approved for anything. I told them that I was gone reach out to yall because I havent heard anything back from them yet. They are not responding to my letters.I want everything to be adjusted as I have requested in my letters to them immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to XXXX I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here Delete this unconfirmed inquiry lacking certifia evidence unless physically certified verified proct is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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: Experian Information Solutions 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX A XXXX A XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

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 2023-10-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I never heard of this company. Our credit rating are very high on the three normal rating services. 
We tried to apply for a high interest CD and the bank told us our report with " Chexsystems '' is preventing us from getting the CD. 
We have tried by phone and online o open an accunt. To no avail. My wife got a human on the phone once and they had such a heavy foreign accent she couldn't understand them. The online procedure to enroll is impossible to negotiate and they have incorrect phone numbers as to be texted. 
Worst of all, they want me to complain to them which I find ridiculous and insulting. 
How can I get them to provide a credit report to me and can I take legal action against them You have my contact 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 2022-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
We put a post for subleasing a private room on XXXX XX/XX/2022. We received a response over text that they are interested in the room. 
They said they will be getting a check from their corporate company to pay for the Accomodation and personal travel expenses. 
They asked me to deposit the check which I did on XX/XX/2022 and the bank ( Chase bank ) confirmed and deposited the XXXX $ on XX/XX/2022. The person requested me to send back the remaining amount for personal expenses through XXXX to their agent. I sent them XXXX $ since we had decided that the private room would be sub leased for XXXX XXXX I received a text that they wont be coming and I need to send the remainder of the amount as well. I just realized I have been scammed.

Company response to consumer: Closed with explanation