BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several attempts to fix this issue and have been unable to resolve it. No one can tell me anything except they can't find an account in my name but these debts are on my credit profile.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data 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 2023-06-23
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
InXX/XX/2022 I contacted LexisNexis to inquire if XX/XX/XXXXXXXX requested a copy of my consumer report. The representative told me no, but I believe they are not being transparent. I would like for the CFBP to force LexisNexis to provide accurate information for companies that have requested my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: WELLS FARGO & COMPANY
State: FM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Subject : Wells Fargo lawsuit just issued. 

Hi, I am a single XXXX year old lady. I am not sure of the date but I had a credit score of XXXX in XXXX - XXXX and I was renting my home out to keep it. I fell one month late and Wells Fargo started foreclosure. I begged for help. They were mean and not helpful and moved quickly to foreclose. At one point I finally reached out to family who gave me the {$4000.00} to stop the foreclosure. Wells Fargo said it was too late. The loan was perhaps {$160000.00} or XXXX. I had {$40000.00} in equity and was doing all I could do to hang on to my home. I had never been late with any kind of payment before in my entire life. I ended up homeless and because of having no where to live had to file bankruptcy which was quite traumatic to say the least. 

My children purchased a condo 6 years later in XXXX for me to live in. Three months after I moved in XXXX, the money their father left them in XXXX XXXX went up in smoke and the condo was worth half what they paid. They had no money to pay for it. I am doing every thing I can to stay on top. My credit score is up around XXXX. I just applied for a job as a XXXX in the XXXX. 


Is there anyway I can be included in this suit? 
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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-03
Company: EQUIFAX, INC.
State: NC
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX DEPTEDXXXX Account number : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number : XXXX , has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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:
Hello, my name is XXXX XXXX and starting on XX/XX/2021 my personal information was stolen and fraudulently used to open lines of credit without my knowledge and authorization. I have contacted all the credit grantors involved and have verified with them that these accounts do not belong to me, and I have tried to get these accounts blocked and deleted off my report but I have been neglected even while using the fair credit reporting act. The following accounts are reporting on the referenced bureaus XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00} Equifax : XXXX BANK, XXXX. Opened XX/XX/2021 XXXX {$6600.00} XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
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 purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Fair Credit Billing Act is a 1974 federal law designed to protect consumers from unfair credit billing practices. 
After countless hours on the phone with XXXX and XXXX and countless hours on the phone with my capitalone360 it was decided not in my favor for my chargeback I purchased an item that was not gold and was requested by the credit card company 360 to get them tested to prove that these bracelets were not gold they were supposed to be XXXX XXXX XXXX gold bracelets I received steel bracelets now because I was told of a clause that XXXX had the seller or the merchant had time to respond and evidence that he resented and because he sent in his information I was canceled out because he was compliant but there was no way that he could have proved that these bracelets were real because I do own them now I had to show them pictures of me wearing the bracelets I sent them the paperwork and documentation of when I got it tested to prove that they were still and nothing was ever done on my behalf it's almost like they treated the merchant like if they were the actual Master card holder after careful instruction from XXXX I if I discovered that the merchant that I brought the merchandise from was violated and is no longer able to sell or buy goods from XXXX even knowing this Capital 360 did nothing for me so I'm asking you guys to step in now this was a chargeback that came back twice they were able to legally open it back twice on me after settling this is totally unfair and after countless hours on the phone and with them asking me to provide them with paperwork they gave me no chance it's almost like they called me a liar from the beginning because I had to go get these bracelets tested the XXXX 's page was closed by XXXX due to violations of terms and conditions even after showing them that proof it was not enough I need somebody to carefully go into this account and see to it that the right thing is done here I am 9/10 and possession of steel bracelets not 18 carat bracelets they are fake XXXX you are not allowed to do that on XXXX so I don't know how much I can express that to them even after XXXX was trying to communicate XXXX they still didn't want to do anything it's like they were more on the merchants side than the actual card holder which is me XXXX XXXX XXXX these are the dates that the transactions took place I will try to provide as much information as I can thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data 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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX and starting on XX/XX/2021 my personal information was stolen and fraudulently used to open lines of credit without my knowledge and authorization. I have contacted all the credit grantors involved and have verified with them that these accounts do not belong to me, and I have tried to get these accounts blocked and deleted off my report but I have been neglected even while using the fair credit reporting act. The following accounts are reporting on the referenced bureaus XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00} XXXX : XXXX BANK, XXXX. Opened XX/XX/2021 XXXX {$6600.00} TransUnion : XXXX BANK Opened XX/XX/2021 XXXX {$9900.00}.

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 2023-06-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The name of the company is Synchrony The agent that opened the account for me told me that I would need to pay a certain amount on the account monthly and put it on autopay and that this will be interest free. zero arp. I just looked at my account and not only they started charging interest after 1 year but also charged me extra interest for that one year. I spoke to the staff and manager on the website chat but they were not helpful. I called their number and spoke to their manager and he said that he is sorry but nothing that he is able to do and he will make note of it to train the staff better in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Northstar Location Services, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving repeated calls each day. The following list is just a portion of the recent calls received. They call and leave blank voicemails. Clogging my Voicemails with blank space. 
XX/XX/19- XXXX XXXX  XX/XX/19 : XXXX XXXX XX/XX/19- XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19-XXXX XXXXXXXX   XX/XX/19-XXXX XXXX  XX/XX/19- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Risecredit, LLC
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:
On XX/XX/XXXX, this company named Rise signed for an letter that I sent certified with a return receipt asking for proof that an amount they say I owed in the amount of {$650.00} that i found on my credit report. I do not owe this to this company and I'm asking for help in getting proof that RISE has a contract bearing my signature, which I know it does not. I am still waiting for the contract with them as of XX/XX/XXXX. The only thing they sent was a letter saying my claim was frivolous. If they have a contract they can send it the same way they sent me a letter saying it was frivolous. This is an account from XXXX that I know nothing of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested my account number they said I need to make my account current before they will give it to me. Im trying to go through a debt consolidation agency and they need the full account number but its being held hostage

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 been going back and forward with Transunion about inquires that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask Transunion to send me documentation with proof of how these inquiries are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent inquiries. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
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: Public record information inaccurate

Complaint:
So I was told by the XXXX, XXXX, Transunion, and XXXX that they have verified a public record on my credit report. XXXX, Transunion, and XXXX all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as XXXX. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and XXXX on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.

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 2018-08-31
Company: Nations Recovery Center
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by Nations Recovery, trying to collect on a debt that they said was taken out with XXXX. The loan would have to be at least 15 years old, since XXXX closed their office in the town i live in at least 15 years ago. This debt has not been on my credit report for at least 5 years, which is when i started using the XXXX XXXX app. I don't have any documentation showing when the loan was taken out, and feel like it is outside the statute of limitations for Kentucky.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I DID NOT SIGN ANY AGREEMENT THAT FIRST XXXX XXXX  COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF XXXX ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: PA
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:
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: TX
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 am writing to bring to your attention a discrepancy in the reporting of my account with your company. 

During the XXXX pandemic, my payments were appropriately deferred under the XXXX XXXX. However, it has come to my attention that there is an erroneous report indicating a late payment in XX/XX/2020. I want to emphasize that this is inaccurate, and as per the XXXX XXXX, my payments were appropriately deferred during this period. 

This discrepancy is not only inaccurate but also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as I am protected under the XXXX XXXX provisions. 

I kindly request the immediate correction of my credit report to reflect that my account is " paid as agreed '' with no late payments, considering the protections provided under the XXXX XXXX during the specified period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: JPMORGAN CHASE & CO.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I really think they DNT look in to anything to fix the problem ... .. Long waiting periods on the phone just a hassle to resolve the problem

Company response to consumer: Closed with explanation