BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: SYNCHRONY FINANCIAL
State: CA
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 got 6 credit alerts of new inquiries that i never made. 
XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Synchrony XXXX XXXX XXXX XXXXXXXX XXXX  And on XX/XX/XXXX i got a call from a XXXX XXXX representative notifying me that someone tried to purchase something in person using a picture ID with my name. 
I dont know if they made any purchases yet, thats what im trying to see and make the report to avoid any transactions from this stores and future transactions too.

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 2022-05-04
Company: Experian Information Solutions 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:
There is an account on my credit report showing as past due. XXXX XXXX XXXX past due {$2.00} reported on XX/XX/2021 account number XXXX. I have never been late on this account before. XXXX and XXXX are reporting accurately. I have called and written in several times to have this corrected.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, This is in response to this claim : XXXX This is a new claim with new and updated information. 

Please see attached - my written complaint - my drivers license - my social security card - my proof of address - my credit report showing XXXX, XXXX, and TransUnion I had an installment loan with KickOff - you advertise it shows on a customers XXXX + TransUnion credit reports- mine does not. 

XXXX only shows on my XXXX credit report It is not showing on my TransUnion credit report. 

In this complaint - XXXX - you thought it was because of a fraud alert - that has been removed as the attached credit report shows. 

Now, there is no fraud alert on my TransUnion credit report- and I expect your XXXX tradeline to put put on immediately- as I paid for. 

Also to note - the credit report did NOT have a security freeze for the duration of the installment loan - as you can see I have received other tradelines showing during this time- so there is NO REASON XXXX wouldnt show - if you guys accurately reported. 

Please have this handled as soon as possible - as you are affecting my ability to obtain credit.

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 2021-09-29
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
LOAN CARE is my home loan company. I was on forebearance from XX/XX/XXXX until XX/XX/XXXX. The forebearance was scheduled to expire XX/XX/XXXX. For the record, I would make some monthly payments during the forebearance period, so that I would not have a large lump sum. 

I called at the begining of XX/XX/XXXX and paid the full outstanding amount of the forebearance, which was a total of {$14000.00}. Payments were for the months of : XX/XX/XXXX, XX/XX/XXXX, When I spXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. See attached Monthly Statement - Outstanding Document. Spoke to the representative, I informed them that I wanted to opted out of the forebearance plan. 

Little did I know that LOAN CARE failed to remove me from the forebearance plan. 

I tried to refiance and was denied for the following reason ( s ).

1 ) LOAN CARE failed to remove my account from forebearance. LOAN CARE informed the refiance company that I was in forebearance unti XX/XX/XXXX. 

2 ) LOAN CARE reported payments as late even though I was in forebearance. The report indicated that I did not make any payments from XX/XX/XXXX till XX/XX/XXXX. 

3 ) Called LOAN CARE numerous times to rectify the problems to no avail. 

I have documentation to prove LOAN CARE failed to remove me from forebearance and a copy of the Refiance denial letter.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
I don't want these accounts in my report, they are directly affecting me and they are not mine. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted XXXX, Equifax XXXX, XXXX XX/XX/2023 regarding the inaccuracies on my credit profile. Wrong Names Wrong Addresses are reporting on my credit profile. however no action was taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I provide proof of my current address and they still have all the old addresses listed. 

I also asked for all negative impacted information remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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 am a victim of identity theft please remove this fraud inquiry 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 2022-05-04
Company: Experian Information Solutions Inc.
State: MS
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:
Pursuant to 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other creditdevice existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XX/XX/XXXX for {$5200.00} U S DEPT OF ED/XXXX XXXX XX/XX/XXXX for {$2800.00} U S DEPT OF ED/XXXX opened XX/XX/XXXX for {$1100.00} U S DEPT OF ED/XXXX opened XX/XX/XXXX for {$4000.00} U S DEPT OF ED/XXXX XXXX XX/XX/XXXX for {$1100.00} U S DEPT OF EDXXXX XXXX XX/XX/XXXX for {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: CT
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681section 602 A. States i have a 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 2023-01-03
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the credit bureaus a letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors 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 2023-11-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Between XX/XX/23 and XX/XX/23, PNC Bank and XXXX XXXX XXXX XXXX XXXX allowed mobile deposits of stale dated checks and checks that had previously been cashed to clear from my business debit account. The stale dated checks totaled {$7300.00}, and the double-cashed checks totaled {$4000.00}, which makes the grand total {$11000.00} by my calculations. XXXX XXXX XXXX  worked to dispute and return the double-cashed checks, but PNC told them that they refuse to return the stale dated amounts since they weren't fraudulent. These checks were generally between 1-2.5 years old, there were nearly 60 checks in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX2020 and the subsequent response received on XX/XX/XXXX2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my 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 2021-12-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Having problem paying mortgage due to XXXX. I have reached out multiple times to finance company ( XXXX ) over a 3 week period and hold time exceed 2 hours. Once I finally get someone on the phone I am transferred to another department that does not answer. The phone just rings continually. I asked for a number to XXXX XXXX XXXX and was given a phone number ( XXXX ) and calls goes to voice mailbox that states the mailbox is full. I am in need of immediate assistance and desperately need help.

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 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have reported a charge of {$13.00} that appeared on my Capital One mastercard account as fraudulent several times since I became aware of it earlier this year. I have never used this card, so Capital One closed the account without my consent. While they have reopened the account, they have not resolved the fraudulent charge and have now added late fees and interest. Additionally, since I have not received a replacement card I can activate, I have no way to go online and try to make a payment. They still have my old information from a credit union account I closed two years ago and have been trying to deduct money from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX, I bought a used vehicle and financed it through First Interstate Bank ( XXXX, MT ). I was unable to actually pick the vehicle up until XX/XX/XXXX due to inclement weather and schedule conflicts. I live 2.5 hours away on the other side of the XXXX XXXX. from the dealership. During that time, the vehicle sat on the dealership 's lot and did not move. On XX/XX/XXXX, I was finally able to pick up my vehicle. On XX/XX/XXXX, I had my truck insured for the ride home and for the next year, etc via the insurance company I use for all of my vehicles. 
When I got my statement from First Interstate Bank, it stated that I was past due on my payment even though I had autopay set up. Here, it turns out, they had imposed a forced insurance coverage charge on my truck for the time it sat on the dealership lot from XX/XX/XXXX to XX/XX/XXXX ( 41 days ) at a cost of {$780.00}. The insurance company they used was XXXX XXXX XXXX XXXX XXXX XXXX. 
I received no notification that I had insurance on my truck while it sat. There was no declarations page sent, no indication of any kind of the type of coverage I had, no app on my phone to use... nothing. As it can be seen on the attached document, the coverage wasn't even issued until XX/XX/XXXX. 
After many phone conversations with First Interstate, XXXX XXXX XXXX, and the dealership ; First Interstate wouldn't budge. They are still charging me {$68.00} a month for twelve months ( a total of {$810.00} ) for 41 days of insurance coverage. That's $ XXXX ( $ XXXX = XXXX ) or, realistically, $ XXXX ( $ XXXX = XXXX ). That is an exorbitant amount for coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
XXXX, EXPERIAN, XXXX, and XXXX have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. XXXX, XXXX, and Experian all state that they have received and verified information from XXXX who lied and stated it gets its information the Bankruptcy Court. The Bankruptcy Court is not a creditor and does not furnish any information to credit bureaus they buy data from XXXX a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for XXXX to furnish any date on my behalf which is required per FCRA.

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 2023-10-19
Company: EQUIFAX, 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:
I have not observed any updates regarding the removal I had requested from the XXXX, Equifax, and XXXX Credit Bureaus. By now, they should have already removed these inquiries within the prescribed 15-day timeframe. Regrettably, the Equifax Bureau has not removed the single inquiry I had requested to be deleted. In accordance with the Fair Credit Reporting Act ( FCRA ), Credit Bureaus are mandated to eliminate any inquiries or items contained in an identity theft report submitted by the consumer. However, these inquiries continue to persist on my credit report. I kindly request the removal of the following inquiries listed below within 15 days : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I attempted to purchase a mattress  on XX/XX/XXXX. I was told I would receive the mattress within two weeks of the purchase date but it never arrived. I was told I would not have to pay a restocking or cancellation fee if I did not want the mattress. The salesman and manger both told me this and that portion of the contract was x'ed out on the contract I signed. It is clearly visible. I have tried disputing it but Synchrony will not review the documents. They are just taking the merchants word for it. I have also been harrassed while disputing the charge via text messages and phone calls starting on XX/XX/XXXX. I just received the dispute letter on XX/XX/XXXX. Postage date is XX/XX/XXXX. They started harassing me before they even sent the letter. I feel that Ashley 's Furniture is lying to their customers and using unethical business practices to obtain money for items a customer never receives and Synchrony is allowing them to do so by siding with the merchant and not reviewing the documents. I want the XXXX $ charge removed from my account and I do not want this to happen to other people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief