BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from XX/XX/XXXX, and Transunion. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: PA
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:
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 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 2023-10-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-10-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing doe not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXXXXXX XXXX XXXXXXXX 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 2019-11-26
Company: Alliance Recovery Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Call from ( XXXX ) XXXX and other numbers. I receive at least one call a month over the last 3-4 years with the same recording asking for a random person named " XXXX XXXX '' and referencing a debt owed. I have blocked most of these calls after receiving them and also stayed on the line and asked representatives to stop calling on several occasions because they have the wrong number. Each time, the representative notes that my number will be removed from their call list, but to no avail.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that 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 2023-06-29
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-27
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was served ( my husband was actually served ). There is a statement with no details attached to the summons. Upon investigating with Synchrony Bank, they have started a fraud investigation. The summons and the account are not my name. 
When I say May name is not XXXX XXXX, XXXX XXXX refuses to talk with me. I was advised to file a complaint with 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 2020-12-22
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
Called to get payment assistance on my Personal Loan. After speaking over an hour with the financial counselor and going over options, the counselor closed my credit card account without my permission. I mentioned to the counselor over and over again that closing my credit account was not an option because i was currently closing on a home and my Credit Card was the old and highest credit line. This change was immediately report to all 3 credit bureaus thus tanking my credit score and debt to ratio. Navy Federal said theyll send me a letter that I never received and also said the issue could not be fixed ( reported to credit agencies ) no sooner than 30-45 days. This in turn has cause me hardships as my credit score fell below the eligible score and losing earnest money. NFCU stated that they couldnt do anything about the loss of earnest money nor the house even after suggesting keeping the reduced interest rates for the personal loan and credit card to make up for the loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
****FLAGSTAR BANK IS THE SERVICER OF THIS LOAN SEE ATTACHED**** XXXX and XXXX XXXX fell behind on their mortgage due to health issues. They are elderly and infirm on a fixed budget. They will be able to afford a slightly lesser payment than the one they have now and just need some assistance to get caught up and back on track.Their daughter lives with them and contributes {$1400.00} to the household, per month. A full assistance request will be uploaded through the Flagstar website, along with copies of this CFPB complaint and QWR.

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 2019-02-05
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony Bank has reported to the credit bureaus erroneous missed payments and payment amounts prior to contacting me. In fact, they have ruined my credit by submitting late payments multiple time during each month, whereby I have received notification from XXXX  and XXXX XXXX, that a late or non payment has been reported. They have done this in access of over 6 months. Additionally, due to this false and erroneous information, they have caused my line of credit to decrease from other creditors where my payment history is flawless. SB also have tacked on a ridiculous, and I am sure unlawful, interest amount. When I purchased furniture from XXXX XXXX for my new home, I took out a line of credit which was only {$1000.00}. I paid cash at the same time. I have been paying on this line of credit since 2017 and the total balance they are now trying to collect from me is {$1800.00}. Also, they are sending threatening letters to me and saying they have tried to contact me. I have received NO calls from this creditor. Second, SB reported to the bureaus I was late and thereafter sent me notification 2 months the later- after they ruined my credit and they continue to do so each month. At this point, because they have violated FCRA rules I am NOT submitting any payments to them. Each month they report 2 late payments. For example, on my XXXX  report it shows, non payment for XX/XX/XXXX and then they reported it again on XX/XX/XXXX. SB did this for about 3 months before I was even aware they were reporting this false information. They have been reporting this information like I said earlier without my knowledge or communicating to me first.

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 2019-02-05
Company: JPMORGAN CHASE & CO.
State: PA
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:
I was in USA three times : 1.I came here as a XXXX student ( XX/XX/XXXX-XX/XX/XXXX ) .I oppened just a XXXX XXXX XXXX checking account and I close it at XX/XX/XXXX and left a country. 
2.I came here as I XXXX Student ( XX/XX/XXXX-XX/XX/XXXX ). I oppened just a XXXX XXXX checking account and I close it at XX/XX/XXXX and left a country. 
3.I came here as a tourist at XX/XX/XXXX and I am living here.I decided to open a XXXX XXXX checking account at XX/XX/XXXX. 

After a couple of mouths I find out information about credit reports and credit history and decided to check myself and I found some issues.According to credit report these account was opened when I even dont have a visa to come into USA.I got a visa XX/XX/XXXX and came into the USA at XXXX XXXXAccounts was oppened at XXXX years so, its no way for my to physically get and use this credits cards.I report to police department but the still didnt help my out.It was few more account but credit berrues removed them. 

So called the Chase Bank and I got the letter that I amstill responsible for frauden account, but again, its no way for my to opened, get and use chase credit card.During XX/XX/XXXX and XX/XX/XXXX I lived in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have mailed all 3 credit bureaus certified mail an affidavit for account validation on XX/XX/2023 and mailed all 9 collection agencies below an affidavit for validation on XX/XX/2023 I asked them to provide documentation and write me back to mailing address about how I am the the debtor and show me all documentation as well as how they proceeded to verify this informations via certified mail, only 2 accounts got deleted and all the other accounts just continued to say they verified it was me and did not even contact me via letter through mail, they did it through XXXX and said they verified the debt without showing me any information or documentation on how they verified me as the debtor, I included copies of my social my license and an irs identity theft affidavit to each bureau and each collection agency and demanded paperwork or any kind of proof to show me how they verified the information and they couldnt even do that, these companies are not complying with the law and my rights nor is the credit bureaus, they decided to reach back out to me online through XXXX and just say it was validated and verified with no documentation and no mail back to my address, I have been demanding them to show me documents and how they verified me and they will not answer me nor show me any evidence of how they verified anything, I know my rights and I know that they are in the wrong by furnishing these accounts to the credit bureaus because these are not my accounts or my debt, they continue to Harass me and call me but wont do there job after I sent them certified affidavit letters of account validation, they continue to just say these debts are verified With no documentation when Im asking them thoroughly that they show me all the documents and how they proceeded to verify these accounts are mine, please help me because I am not only trying to repair my credit and do things the right and legal way and they continue to do illegal activities and not give me any type of explanation or documentation. CAPITAL ONE ( XXXX ) I have attached just the XXXX credit bureau affidavit but I did send the same affidavits to XXXX and XXXX, I am also attaching what capital sent me back via by mail with no documentation at all, Just simply says they verified the debt when I specifically asked for all the documentation and documents to show me how I am the responsible debtor, I also attached and irs fraud affidavit that I sent to the irs to them as well and capital one sent me 2 letters with no evidence or documentation as asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 Comnwlth Fin added a derogatory mark on my credit report per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA Comnwlth Fin has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
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

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 2023-04-06
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
I sent dispute letter to XXXX on XX/XX/2022. It is now XX/XX/2022. On XX/XX/2022 I disputed the following accounts. 
XXXX Account number XXXX {$7500.00} XXXX  XXXX Account number XXXX {$1300.00} XXXX  XXXX Account number XXXX {$960.00} XXXX XXXX Account number XXXX {$460.00} XXXX Account number XXXX {$1000.00} XXXX Account number XXXX {$3500.00} XXXX Account number XXXX {$5100.00} XXXX Account number XXXX {$9500.00} XXXX Account number XXXX {$5700.00} XXXX Bank Account number XXXX {$1000.00} XXXX XXXX Account number XXXX {$750.00} XXXX XXXX XXXX Account number XXXX {$5000.00} XXXX XXXX Account number XXXX {$370.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
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:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance Owed : {$2200.00}.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: IN
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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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