BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2020-03-20
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:
I was denied from opening a credit card at XXXX today XX/XX/2020 because there is an account from XXXX  XXXX XXXX reflecting badly on my credit report as well as several inquiries. None of those items belong to me ; I did not open that account and I did not allow those companies to run my credit. I did not give anyone permission to use my personal information to open that account and make those inquiries. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not make any payment towards that account. I do not have any contract or agreement with any of the companies listed in this report. I have already filed a police report regarding these unauthorized inquiries and 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 2023-05-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I never gave this company a consent to report my credit history

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 2020-03-20
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 found some one used my personal information and open credit accounts

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 2020-03-20
Company: EQUIFAX, INC.
State: VA
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 never apply for this companies. i believe that somebody used my personal information to apply for this. I'm not responsible for this inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
On Account : NA in the amount of {$2300.00} This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
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:
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 items : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX Balance : {$9700.00}, 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 2023-11-04
Company: SYNCHRONY FINANCIAL
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:
I tried to make payments using the Mysynchrony App but it stated " We are unable to complete your request at this time. Please try again later. '' I eventually went to through the online portal to make the payment. The online portal also has user interface issues frequently. The payment I made in XXXX showed that it went through. I traveled out of the country on business for several weeks. In XXXX it showed that my account was late. I made the payment and called the company trying to resolve the credit reporting issue with no luck. The last XXXX times my call was dropped while waiting on hold for more than XXXX XXXX mins each time. 

In accordance with the Fair Crediting Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681 Section 602 states that I have the right to privacy.

15 U.S. Code 1681 Section 604a Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S. Code 1666b, a creditor may not treat a payment treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-31
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: Account information incorrect

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. 
Collections Account Name : XXXX XXXX XXXX XXXX XXXX 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 right. 
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 2018-10-25
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card information was stolen and used to make several unauthorized ATM withdrawals ( XX/XX/18 ; four atm withdrawals from an ATM I dont believe Ive ever been to, done in 2 minutes, totaling {$800.00}. This is not an account I make ATM withdrawals from ). I immediately cancelled my card and opened a fraud claim with US Bank. In addition to opening a claim with my bank, I filed a police report with local law enforcement as I was 100 % certain these transactions were not me and my debit card information was stolen. US Bank said they investigated, denied my claim, immediately withdrew my money, and continued having managers call me that could not rectify the situation. After filing my claim I signed affidavits and immediately returned them to US Bank and provided them the requested information for my local police. I was told my claim was reopened on XX/XX/XXXX to prevent my money from being taken, and sure enough, the next day it was gone. Additionally, the letter I received shows my provisional credits would be withdrawn on XX/XX/18 ( almost a month prior ), when in reality they were pulled on XX/XX/XXXX ; no less than 12 hours after a fraud manager told me on the phone they would not be. If my case processor cant even correctly put dates on a denial letter I seriously question their investigative abilities and their ability to review ATM footage. Im convinced US Bank has only reviewed footage from the 4 fraudulent transactions as I am 100 % confident I did not make these withdrawals. Now I am out hundreds of dollars, my bank is treating me like a criminal ( instead of the victim I am ), and Im now having to call my local police to request video tapes from the bank so they can continue their criminal investigation. No appeal process or documentation has been given to me by US Bank other than the generic letter I received with incorrect dates. I requested the documentation from a manager on XX/XX/XXXX but who knows If that request will actually be fulfilled. I no longer have no faith in the bank Ive been with 15+ years now.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please cease and desist all inaccurate reported information on closed account with XXXX XXXX there are several payments that are reported as bring late with no provided proof of said late payments which are violations of fcra section 609 account had been paid in full and there were no Payments ever made late this violates 15 usc 1681c2

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 2021-12-06
Company: Chrysalis Holdings LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I Refinanced with new day usa this year. In XXXX i was removed fron new day to a company named XXXX  XXXX i called new day on XX/XX/XXXX to find out where my XX/XX/XXXX payment and was told i was no longer with new day usa. they gave me a number to call for XXXX  XXXX. I called the numberi was given XXXX and was told i would have to wait 30-60 DAYS AND HUNG UP.i HAVE MISSED MY XX/XX/XXXX PAYMENT. I have heard nothing from this new company. I have no idea what has happened to my payments made to new day or my escrow account for my taxes or home insurance. This is no way for vetrans to be treated on there home loans .I have not heard any thing from these companies. thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
To whom it may concern, After reviewing my credit reports I noticed that your company are alleging that the following account XXXX XXXX  are negative without furnishing any proof of verification of this debt or that your company followed all laws and regulations to report therefore your company must remove all negative and adverse remaks. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX As your company know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said account. 

Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account XXXX XXXX but if your company are unable to provide the full reports of how you validated, verified, and how your company in compliance then you must remove the account XXXX XXXX from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Information belongs to someone else

Complaint:
I've handed along something that needs to be removed or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My attorney has been informed of my objectives and is willing to think that Credit Bureaus are to blame for their stubborn rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance XXXX {$240.00} ; XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XX/XX/XXXX ; XXXX 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 2021-12-06
Company: Chime Financial Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone open a ChimeXXXXXXXX secure credit card in my name. And it's showing that it's active on my credit report. And I didn't apply for the secure card. It was open on XXXX XXXX 2020. I disputed the account with XXXX to have them remove this fraudulent account from my credit. So they have started a dispute claim for me to have the account removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
American Express has been retaliating against me since Ive made a complaint with CFPB. They are now reporting all my payments late when Im currently enrolled into their relief program due to a death and job lost they have harassed me and has been causing a huge amount of stress in my life. They harassed me when I told them I was out of work and was dealing with a death these people are evil and are going against the law. My payments are in AUTOPAY. ALL OF MY PAYMENTS ARE ON TIME In accordance with the Fair Credit Reporting Act American Express account ending in XXXX has violated my rights. 15 USC 1681 Section 602 : states I have rights to privacy 15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presung that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX XXXX : Transunion. XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX  : XXXX   Transunion : XXXX XXXX XXXX  : XXXX   XXXX  : XXXX  Trans union : XXXX XXXX   XXXX  : XXXX XXXX : XXXX Trans union : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX   XXXX  : XXXX  Transunion : XXXX , XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX , XXXX XXXX   XXXX : XXXX XXXX : XXXX XXXX : XXXX , XXXX XXXX : XXXX XXXX : XXXX   Transunion : XXXX , XXXX XXXX:XXXX XXXX : XXXX Trans union : 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 2020-03-20
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian takes forever to update my credit report, when they update they always leave my score the same. They never increase my credit score as the other companies. They put a secure alert on my credit that I never asked for. They leave hard inquiries on my credit report longer than it's supposed to stay. This credit company is definitely out there to help only banks not consumers and make consumers feel losers. I am at a point to take them to court.

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 2018-10-25
Company: Experian Information Solutions Inc.
State: DE
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 transactions that I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 just want to file a claim, I had a finance car accident. I brought the car to XXXX and XXXX insurance did not want to fix the car. Now Capital bank got the car, and the come after me instead the insurance company, they sent everything to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: MA
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 submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Regrettably, Experian has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in resolving these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) - The information indicated on the above account is imprecise. The stated balance of {$2000.00} is higher than my recollection. Additionally, I request the removal of the amount indicated in the Past Due section, as this account has a closed and charged-off status. I intend to communicate with the creditor to clarify the reported data. Until the appropriate corrections are made, I kindly request Experian to mark this account as disputed. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} ) - The above account does not belong to me, and I request Experian to remove the late payment associated with it.

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