BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
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: Reporting company used your report improperly

Complaint:
In accordance with The Fair credit reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : act # XXXX, XXXX : act # XXXXXXXX XXXX XXXX  : act # XXXX, XXXX XXXX  : act # XXXX XXXX XXXX : act # XXXX, XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX. XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX : act # XXXX, XXXX : act # XXXX, XXXX : act # XXXX, XXXX XXXX  : act # XXXX, XXXX XXXX XXXX  : XXXX # XXXX, XXXX Self-Reported : act # XXXX, XXXX, and XXXXXXXX XXXX  : act # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 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 the information is inaccurate.

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 2023-03-24
Company: EQUIFAX, INC.
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX Inquiry : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: NC
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:
I have attempted five times this past year ( 2021 ) to obtain a copy of the Experian Business credit report for my business, XXXX XXXX XXXXXXXX. Experian has failed to even respond to any of my requests, against federal law, albeit for a business.

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: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$770.00} for this account. XXXX XXXX XXXX XXXX XXXX As were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the 7 year reporting time for every charged off account from my understanding this account was charged off in XXXX/2018 and since then youve continued to report charge off on my credit report, which affect my dola ( date of last activity ) & is continuously been extended Ive attached copy of this account as its being reported from your bureau as well as listed below are the other accounts in question. 

{$230.00} XXXXXXXX XXXX XXXX XXXX {$430.00} XXXX $ XXXX $ XXXX XXXX US DEPT EDXXXX 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 2022-10-18
Company: OneMain Finance Corporation
State: TX
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:
I work as as a nurse in a small community hospital, XXXX XXXX XXXX XXXX. I believe someone got my ID out of my purse and used my name, address, and DOB to attempt to open up multiple personal loan accounts under my name. I have had multiple hard inquiries on all three of my credit reports from numerous banks including, XXXX, XXXX, XXXX, XXXX, and most recently XXXX bank. 
I have been in contact with all of these institutions to let them know I am a victim of identity theft and this was not me. 
I have also placed credit freezes with all three credit bureaus. 
My police report has been filed with the XXXX XXXX XXXX XXXX on XX/XX/10. 
XXXX XXXX XXXX Department XXXX Deputy XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2022 Security Credit Services, acting as a collection agency for XXXX XXXX, XXXX reported me to the credit bureaus as owing {$760.00}. I do not know who Security Credit Services and XXXX XXXX, XXXX are, and have never done business with them, and do not owed {$760.00}. 

XX/XX/2022. I submitted a dispute of their claim to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
After realizing credit multiple cards were opened in my name and promotional checks had been forged ... I notified Citi of my identity theft and Forgery, ( {$2500.00} ) provided police report number as well ... 
I was sent a letter stating ; I was responsible because I made payments on disputed account ... ( payments were made in good faith ) as l was instructed to do by a representative of Citi, while account was under review, back in 2018 ... 

Please help with matter, Thank you ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: IL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$390.00}

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 explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: HI
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 do not recognize how this account is reporting on my credit report, I don't recognize the account status, I don't recognize the account high balance nor do, I recognize the late payments associated with it everything reported here does not meet the FCRA. 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate XXXX XX/XX/2021 XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
During the COVID-19 pandemic, my state was in lock down and my employer was closed. I contacted all of my credit cards for some assistance and capital one was the least helpful. During this time, I made 5 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Once I obtained employment again, I was able to catch up on my payments and have not had any late payments ever since. I reached out to Capital One via telephone to see if they can lower my interest rate as it is astronomical and I have been trying to pay off this credit with little luck. They told me they are unable to do so. I also asked if they can review the late payment history so it can potentially be removed from my credit report and evidently, they could not help me with that either. I have multiple other credit cards and this is the only one that is reporting missed payments during a global pandemic. They refuse to help me in this situation and this is impacting my credit score greatly. I do not believe that I should have this reflected on my credit report for 5 years when the entire world was struggling to pay their bills. I have proven to be a good customer and have remained in good standing since my employment continued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/22 I made a purchase at the XXXX XXXX with the XXXX XXXX XXXX. It was for a phone and XXXX XXXX plan for {$1000.00} and {$19.00}. I was unhappy with the purchase and returned the phone to XXXX. On XX/XX/22 XXXX XXXX issued a refund of the original purchase to the card I used for the purchase. 

Synchrony never applied the refund to my account. I verified the refund had been issued by XXXX XXXX and then contacted Synchrony. I initiated a dispute and received my first response on XX/XX/22. They issued a refund for {$19.00}. I followed their procedure when a dispute is not resolved and submitted a fax of the email showing the refund for the full amount had been issued by XXXX XXXX. On XX/XX/22 I received an email stating they would not be issuing a refund because " According to our records, you entered into an agreement with the merchant for the charge in question. As the merchant sets the policies regarding cancellations or refunds, please contact the merchant directly for any additional questions. ''

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 2019-04-11
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have submitted 2 requests to close my checking account at Key bank. One of the requests was submitted in writing via email and the other was submitted verbally over the phone. I was told by a customer service rep on XX/XX/19 @ XXXX XXXX that they would not close my account even if I were to go into a local branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a pet online and was promised it but did not receive it as well as they were requesting more money

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2023-01-12
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: Account information incorrect

Complaint:
I contacted TransUnion to have them remove multiple inquiries in my credit report. They are unauthorized and I have submitted a police report and every document they have requested with no resolution. My next action will be to include TransUnion in my active fraudulent case for not following section 609 act. The call center supervisor keeps reading a script to me without listening to my actual concern. I would like to be contacted or I will sue TransUnion for keep incorrect ion information up that benefit them and hurt me in the process. I will go public and will speak to all media outlets until this is resolved.

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: OPORTUN FINANCIAL CORPORATION
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:
Received text message regarding suspicious online activity ( 2 charges ) in the amount of {$350.00} on XX/XX/22 on my Oportun Visa credit card ( card ending in XXXX ). 

Reported charges to fraud dept twice ( on XX/XX/22 & XX/XX/22 ). Was told that card would immediately be canceled, issued a new card, and fraudulent charges would be removed from my account by the time the new card arrived within 7-10 business days. The new card was received on XX/XX/22 ( new card ending in XXXX ). 

I was also told that if new card arrived and fraudulent charges were not removed yet, to call customer service back. 

On XX/XX/22 called customer service numerous times and was put through an endless loop of foreign speaking representatives all claiming that they were incapable of resolving my issue and they needed to transfer me to another dept.and so forth and so on. This occurred for a total of 56 minutes of being told the same scripted dialogue over and over again without resolution. 

Mind you, I had a XXXX {$0.00} balance prior to this fraudulent activity on XX/XX/22. 
The last time I personally used the card was on XX/XX/22 in which I charged {$190.00} AND paid the balance off IN FULL on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Revolut Technologies Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I uploaded the XXXX application to my phone. I used the account initially as a friend from abroad paid me through this application. I transferred the money to my XXXX account with the XXXX. At this point XX/XX/2021 my account was hacked and various transactions took place unknown to me. I went back on to the application in XXXX of this year to transfer once again dollar money from my chase account through Revolut to my XXXX account in sterling. One transaction went through but XXXX did not and was since transferred to a number of contacts that I do not know that are not on my phone and that are entirely fraudulent. The company resolut say they will not reimburse me and saying that these transactions are indeed me. I reported the fraudulent activity to my local police precinct and have a case number XXXX. Revolut have no option to call anyone it is purely via chat room or email. They have been thoroughly unhelpful, unprofessional and essentially calling me a liar. I am looking to of course get my money back which is in total over {$4000.00}

Company response to consumer: Closed with explanation