BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Acs XXXX XXXX XXXX account and XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: AR
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing to complain about the lack of customer service and proper procedures from Chase Bank. I have had and maintained a checking and savings account at this bank for several years. On last week, I tried to obtain an online personal loan, the company contacted me and told me I was approved, they needed my routing number and account number in which I provided, they told me how much would be deposited into my account, later that day they called me and said my bank would be sending me a passcode and to give them the passcode, I did and they claimed they deposited {$240.00} into my account, I informed them that no they did not. They were able to get into my account and make a fraudulent claim, that's how the passcode was sent to me. When I figured out what they did, I called Chase immediately to report it, then I called the company at XXXX. I told them not to contact me again and that I was calling my bank, because this was fraudulent. They were trying to get me to withdraw the {$240.00} and send to them from XXXX or XXXX, I told them I was reporting this to the police and to my bank. Someone how they were able to get into the banks system telephonically and fraudulently portray me as if I was making a fraud complaint about some funds that I had already received from the bank a couple weeks earlier. I contacted the bank immediately, at the time this happened, I only had about {$160.00} in my checking account, but when I checked it, it had a balance of {$400.00} and I told the bank that the balance was incorrect and I explained what I figured out had happened, someone was trying to scam me. I instantly called the bank to inform them and the very next day, they changed my telephone password and I felt like the matter was resolved. I tried to withdraw some funds for my personal use and could not, I called the bank and was told there was a restriction on my account and that the bank was closing my account. They would not provide any details as to why am I being punished for fraudulent activity that I reported regarding my account. I never withdrew the funds, no explanations were given and I feel as if I'm being treated unfairly and possibly damaging my credit by Chase closing my account due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: In progress
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There have been negative collections and hard inquiries reported on my credit reports due to identity theft I have disputed this collection and inquiries with the credit bureaus yet these collections and inquiries were place 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 2023-04-03
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX FALSELY REPORTED THAT I HAVE A BANKRUPTCY ON MY CREDIT REPORT. THEY PUT THE DATA FURNISHER AS THE US BANKRUPTCY COURTS OF SOUTH FLORIDA WHICH IS FALSE!! I HAVE A STATEMENT AND SIGNED LETTER FROM THE FEDERAL COURTS STATING THEY DO NOT FURNISH DATA NOR RELEASE ANY INFORMATION TO THIRD PARTIES OR CREDIT BUREAUS. THEY ARE FALSELY REPORTING AND HAVE YET TO REMOVE THIS! 

ALSO REMOVE ALL ACCOUNTS STATED TO HAVE BANKRUPTCY ATTACHED IMMEDIATELY Account name : XXXX XXXX ACCOUNT NUMBER XXXX XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX. Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Bankruptcy Account number : XXXX has violated my rights

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I request a securtiy freeze/pin/block for Transunion, 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 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for the Capital One XXXX XXXX extension because it said I would immediately receive a {$10.00} bonus. I never received the bonus and I don't know how to fix this issue. Please see screenshot below showing I did in fact sign up..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Hello Digit, LLC
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Digit offered a promotion where I would get {$100.00} if I shared my referral link and got three people to sign up by XX/XX/XXXX. Then, when they had all made an autosave using Digit I would receive the bonus. I got 2 of my friends to sign up on XX/XX/XXXX, and another to sign up on XX/XX/XXXX. 
Digit made an autosave for the first 2 friends and I received {$5.00} for each of them. But Digit didn't make an autosave for the third friend. Eventually, I reached out and helped them change the checking account linked to their Digit account. Then the Digit finally made an autosave for the. 
However, Digit only credited my {$5.00} for that referral instead of the {$90.00} they had promised under the terms of the promotion. I finally reached out to Digit on XX/XX/XXXX. They replied " After looking into your account it shows that one of your friends auto saved and was paid out on XX/XX/2020. Unfortunately the promotion date for the {$100.00} ended on XX/XX/2020. '' I reached reached out again arguing that their promotional page only stated that the friends had to sign up by that date. The page said nothing about when the autosave had to occur, and it was Digit 's fault that the autosave had been delayed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts need attention:XXXX XXXX XXXX Amount $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - 09/07/2015, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX  Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items 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
Consumer complaint received 2023-01-24
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:
I have some inquiries on my report I did not authorized. 
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 2019-01-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Welcome bonus discarding. 

In XX/XX/XXXX I applied for American Express Cash Magnet Card, I was approved and spent described amount of money for welcome bonus. 
I did not receive welcome bonus. 
After multiple attempt to determinate cause of issue, I had phone conversation with customer support XX/XX/XXXX 25min, XX/XX/XXXX 42min, XX/XX/XXXX 35 min, finally only at XX/XX/XXXX I received clear answer that i am not eligible for that offer because I have another card with American Express. 

In agreement " OFFER TERMS Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' Complains : 1.Not described clearly that this offer valid only for new customers. 
2.It takes 3 months for customer support to give me answer why offer was declined.

3.I didn't receive any notification that my application was approved without bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Southwest Credit Systems, L.P.
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: Account status incorrect

Complaint:
This company continuously dialed my phone number after being told not to, in direct violation of the telephone consumer protection act. Moreover, I did not give this company any permission to EVER call me, nor did I provide this company with any number to call me. 

Next, I do not have a direct contract with this company for which they are attempting to collect. Moreover, they have reported this erroneous account to my credit file, which is negatively impacting my credit score, during the midst of a COVID-19 Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: PLANET HOME LENDING, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Planet Home lending illegally and incorrectly reported a payment as late and their representatives refused to offer any solutions as required and required under the terms of The Cares Act. Not only has planet home lending repetitively displayed miss conduct and unethical behavior, they have also refused to respond to a letter I forwarded requesting assistance and couldn't provide adequate notice and/or a reason as to why I was not notified of a late payment.

Furthermore, records show that during the transition from XXXX XXXX XXXX XXXX XXXX ) to Planet Home lending, proper documentation was lost that included details of my home owners insurance with XXXX to lapse. 

Under the Fair Credit Reporting Act, a person can receive a copy of a call if the individual requested the conversation is in a lawsuit against the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft and on XX/XX/XXXX I mailed to TransUnion an identity theft report which included a letter explaining and detailing the information in my report that is fraudulent, a Federal Trade Commission Affidavit, along with proof of my identity, social security card and proof of my address. I've spoken with a representative on XXXX XXXX at TransUnion and confirmed that they received my report on XXXX XXXX and that they did not process my request because it appeared that the information came from a third party. I explained to the representative that the report did not come from a third party, that it came directly from me. That I sent my ID Theft report to TransUnion XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX. The rep stated to me that he will attach my report to the fraudulent accounts to be processed for blocking of the fraudulent information and that it would take four days for processing. It is now XX/XX/XXXX and the fraudulent information still appear in my credit reports. A rep named XXXX from TransUnion called me today to follow up and advised me to re send the information again to them, because they were not going to proceed with my request, because TransUnion is saying it came from a third party, but it didn't.

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 2023-11-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi I had an issue with an purchase that I ordered back on XX/XX/2023 The sales representative XXXX never added the table to that order. When the furniture came in on XX/XX/2023 The table was not ordered which meant I have to go back to the store a thrid time and they were trying to charge me for delivery. Initially stated at that time that I did not want to order anything else from them however the sales manager stated that she wanted to make it right at that time we placed the order, which the soonest was XX/XX/2023. With hesitation I finally agreed. On XX/XX/XXXX a women named XXXX then called me and advised that I would not get it the table till XX/XX/2023 that time I made another trip to there location, Spoke with the manager at that time called the store to make sure there was an order for it on XX/XX/XXXX. My phone was off by accident and they called me I called them right back about XXXX. Later at that time they stated they could not bring it back and that I would have to pay for an delivery fee I asked the manager at that time what am I getting compensated for they then stated they would have to charge me and I advised them if that was the case that I did not want the table and will take my business elsewhere, Which resulted in them retaliating and closing the account.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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