BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint regarding fraudulent information on my credit report. Two days after doing so, Equifax made two files for me. Now the problem is worse than it was before. I need my complete file to be correct, and not have two files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have yet to receive a correspondence in reference to my account. I was approved for {$1500.00} and my credit limit was lowered to {$500.00}. Considering my application was the collateral in which was used to obtain and open the account in my name ; I want to know what happened to the {$1000.00} which this company was issued in advance for the said amount. According to Federal Reserve Act, in no event shall such collateral security be less than the amount of federal reserve notes applied for. How is the financial institution going to tender my application for {$1500.00} then lower my amount to {$500.00}? I have a fiduciary obligation to ensure my accounts is receiving the equity it was giving at the beginning of the consumer credit transaction. You are commissioned under the Security Exchange Commission and took an oath to handle transactions in due form. Are you committing security fraud by advancing for a said amount and then lowering the consumer credit amount? Was the {$1000.00} returned to federal reserve bank and your accounts were balanced? I am demanding the accounting records on this account that is issued by the XXXX XXXX XXXX XXXX. Please dont inform about my credit score and factors when the application aka collateral security was what was tendered to obtain the XXXX. The security offered shall be notes, drafts, bill of exchange or acceptances acquired under the Federal Reserve Act.

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 2020-08-04
Company: Market Place Mortgage Corp.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX from Market Place Mortgage call me and ask if I would like to refinance my house, I told him sure send me email with options I will look at my options and I will call you back. Week and half later he send me application to sign and the same day I got notifications as he pull my credit with out my authorization, he have my SS number from 4 years a go he did my refinancing on my old house, but yjos home was sold. I email him to correct this with credit bureaus and he fail. I would say this is miss practice pulling credit report with authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here are the lists of inquiries that are still reporting on my Credit Reports : XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, INC.
State: NY
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 do not recognize this debt on my account at all. I have never received proper verification of the debt. I only recently discovered this remark on my account when I was trying to better my credit and learn about the system. There is no contact information that gets me to someone that can properly help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Contacted Credit card company on XXXX asking to get credit card protection to get started on account, Rep advised that I do not have protection on account requested a copy of application for verification, was denied access of application copy, Rep told me to go online to see asked if I'm able to get access of a scanned copy of online, Rep advised me no, I told rep I'm unemployed and that my unemployment benefits were upheld which is why payment hasn't been made and why I called in for the protection by to get started, Rep advised wasn't able to assist so the call was terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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:
15. They have violated US Credit Reporting procedure according to ; U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions. ( None Given.

acconts 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( They are and have.. 

There is a public record on the Report .of XXXX XXXX Ilegally reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A number of accounts with inaccurate dates of age of delinquencies

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2018-04-23
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:
XXXX XXXX paid XXXX XXXX/XXXX XXXX fraud never had an account with either company. I wasn't even XXXX. I already disputed XXXX XXXX who took it off but this collection is not mine either. 
XXXX XXXX - I am an authorized user. Account does not belong to me. 
XXXX fraud never had an account with either company. I wasn't even XXXX. 
XXXX account fraud this account does not belong to me.

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 2024-01-06
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I put XXXX purchases on Citi 's Flex Plan, which allows you to pay off certain purchases over a period of time for a fee. When my XXXX statement arrived, I called Citi to confirm what amount I needed to pay to avoid incurring interest charges. I was told the wrong amount.

It would be helpful if the Citi statement clearly identified what amount needs to be paid to avoid incurring interest but it doesn't. 
When the XXXX statement arrived, I saw that I had incurred {$68.00} in interest charges. So I called Citi and explained to them that they had informed me of the wrong amount. They removed that charge and clarified what XXXX numbers I had to pay to avoid incurring interest. I then paid the XXXX statement in accordance with their instructions on XX/XX/XXXX ( though it was due XX/XX/24 ). 
I just received my XXXX statement and it includes {$47.00} in interest charges. I called to ask why this was incurred, and was told it is because I had not paid the XXXX statement in full. I explained that the reason I had not paid the XXXX statement in full is because I was misinformed about the amount due, as evidenced by them removing the charge on the XXXX statement. They said they can only remove interest once. So I want my {$47.00} but what's more important is Citi should clearly identify the amount due to avoid paying interest.

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
Consumer complaint received 2021-10-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am main cardholder for Synchrony CareCredit card. My spouse is only authorized user. He filled for Chapter XXXX Bankruptcy, and Synchrony blocked my account to make payments. I called them in XXXX to let them know that I will keep making payments, and that I am main card holder. I also called my spouse attorney who advised that they can prevent me of making payments only if Chapter XXXX is filled. I had to mail payment for XXXX, and now for XXXX they did not even mail me out statement. I have called multiple numbers ( XXXX and XXXX ) today at XXXX XXXX Eastern Time, and I am receiving answer that they are not working. My payment is due today and online access is blocked by them, so I can not make payment. I do not want to have any late payments reported on my Credit report. Last month they had XXXX people answering the phone, and I could not understand a single word they are saying. I kept asking for US rep. and was told that they do not have anyone working in US. Can you please 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 2022-07-21
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request Experian and XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
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: 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 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 explanation
Consumer complaint received 2022-11-18
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated and deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$470.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$370.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a submission regarding the same incident indicated in complaint XXXX. EXPERIAN responded to the complaint indicating unauthorized use or some kind of 3rd party. I called EXPERIAN today XX/XX/XXXX to provide verification of my identity. I spoke with a representative, XXXX, who helped me with this matter. XXXX told me EXPERIAN believes they are not civilly liable to me in this matter. XXXX verified my identity, and confirmed that I am the authorized user on this account. There should be no claim by EXPERIAN in regards to any kind of authorization or third party use moving forward. XXXX verified that the account in question was deleted directly after my initial dispute, further proving EXPERIAN 's negligent behavior and willful noncompliance with consumer protection laws. I notified XXXX and EXPERIAN to notate my account with with fact that I called in and verified my identity, as well as the fact that I will be filing an additional CFPB complaint. See initial complaint below : On XX/XX/XXXX I disputed an alleged account # XXXX XXXX XXXX XXXX with EXPERIAN. EXPERIAN reported this inaccurate, incomplete, and unverifiable information without first investigating the validity of the claim by XXXX XXXX XXXX as they are required to do by federal law. EXPERIAN caused me financial injury and defamation of my character by reporting this incomplete, inaccurate, and unverifiable information. EXPERIAN deleted this alleged account from my report due to my dispute report number XXXX. EXPERIAN is civilly liable to me in the amount of {$4000.00} ( XXXX XXXX dollars ) for their willful and negligent noncompliance pursuant 15 USC 1681n and 15 USC 1681o I demand to invoke my specified remedy provided to me as a consumer and natural person protected by 15 USC Chapter 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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a check from my account at XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX. Used Mobile App to make the deposit. B of A is holding the check for 10 business days causing an undue hardship. The check has cleared my XXXX XXXX XXXX  account but not reflected as deposited into the Bank of America account. Funds are available on 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 monetary relief
Consumer complaint received 2023-01-20
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: Investigation took more than 30 days

Complaint:
What happened? 


I sent a letter Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE ANS SEND ME THE RESULTS. 

And they also did not even record the current status of the disputed information which is another violation. 

I have all the evidences attach below.

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