BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2022 I sent a postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, and a letter from my student loan all matching my correct Address. Experian responded with the dispute results on XX/XX/2022, and they did not correct my address. 

On XX/XX/2022 I sent a 2ND postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address. I ALSO added a picture of my building resident with my correct address. Experian responded with the dispute results on XX/XX/2022, but they still failed to correct the address. 

On XX/XX/2022 I sent a 3RD postal-certified mail dispute letter to Experian to correct my address. I showed my NY XXXX XXXX, Social Security card, my XXXX form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address and a picture of my building resident with my correct address. I also showed Experian the comparison between them and the other two credit bureaus such as XXXX XXXX, and XXXX has my correct address except for Experian. Experian responded with the dispute results on XX/XX/2022, and they finally corrected my address, but however, they put the incorrect address back on the credit report AFTER THE DISPUTE RESULTS for some reason. 

On XX/XX/2022 I sent a 4TH postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address and a picture of my building resident with my correct address. I gave Experian one last chance to correct my address before I escalate to the CFPB and the State Attorney General 's Office. Experian responded with the dispute results on XX/XX/2022, and they corrected my address for the 2nd time, but however, they put the incorrect address back on the credit report AGAIN AFTER THE DISPUTE RESULTS. They are refusing to correct my address. 

As of XX/XX/2022 Experian still is reporting the incorrect address on my credit reporting file.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion is reporting a bankruptcy on my Transunion report that they say they verified with XXXX. I reached out to XXXX & they verified they do not have a bankruptcy on file for me. I also reached out to the US Bankruptcy Court & provided them my personal information & they didn't have a bankruptcy on file for me either. They also asked for a reference or file #, which they said I should have, there isn't one listed in my Transunion report. They also said they don't provide bankruptcy information to Transunion. I reached back out to XXXX & asked them to send me a copy of my report so that I could see for myself what is being reported. Again there is no bankruptcy on file for me. I'm attaching the XXXX table of contents that does not include a bankruptcy & the court document. Please verify the name & address is 100 % accurate in the bankruptcy Transunion is reporting. Verify the File date? Additionally, how did Transunion arrive at an : " Estimated month and year that this item will be removed '' Why is there an " Estimated '' & not an exact date? And why is it in 2025? 


I'm also including my personal bank statement & a partially redacted ( for security purposes ) social security card for identity purposes ; as to avoid receiving a stalling letter from Transunion as they have done in the past.

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 2018-10-29
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Was shopping for refinance loan on my home, XXXX XXXX  informed me that any inquiry would not be a hard inquiry yet they pulled a hard inquiry twice in the month of XX/XX/2017, and XX/XX/2017 using Institution Information company XXXX XXXX XXXX, CA 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 2023-05-15
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:
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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2021-01-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing has robo called me multiple times, sometimes at night and on the weekends. I have tried numerous times to contact them, but have yet to be successful. Lakeview Loan Servicing is also showing a payment has not been made even though it was processed weeks ago. Again, tried to contact them, but have been unable to speak with anyone.

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 2023-11-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-11-22
Company: EQUIFAX, INC.
State: VA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I paid {$85.00} via XXXX for a product/service to be delivered by XX/XX/XXXX. On XX/XX/XXXX, I received a message from the vendor stating she was not able to provide the product/service anymore. I requested a refund and the vendor agreed to send me the refund on XX/XX/XXXX. After not receiving the refund I reached back out on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX the vendor blocked me on social media. 
On XX/XX/XXXX, I reached out to Bank of the West to file a fraud claim. One week later the bank denied the claim. On XX/XX/XXXX, I reached back out to the bank to dispute the findings and they agreed to look at my claim again. I had not heard back regarding my second attempt at a refund so I called the bank back on XX/XX/XXXX. At this point, the bank let me know my claim was once again rejected and I could no longer take further action. I have been defrauded by the vendor and the bank refuses to protect me by refunding 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 2017-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Capital One has not updated information to XXXX and XXXX with my accounts. I received a letter stating this would occur but, it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: ID
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Bread Financial Holdings, Inc.
State: WA
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:
I recently signed into my XXXX credit card account and noticed an offer for a credit line increase. Although in the fine print it stated they may need to access my credit report when considering the request, nowhere did it mention they would be conducting a hard pull that could impact my credit score. I was not required to check a box agreeing to the terms and conditions ( which I mistakenly assumed was because my request only required a soft pull that would not impact my credit ). As a consumer, I expect more transparency in these types of requests, especially when the outcome can affect future applications for credit and/or other financial offerings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Chime Financial Inc
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had an unknown charge in XX/XX/2023. Chime bank deactivated the card and sent me a new one. The first card never made it here, the second card was a replacement debit card ( wrong card ) I have contacted customer service countless times and they keep claiming they sent replacement cards and I still never receive them, Chime also deactivated my debit card without my knowledge or consent, and now I have no physical card to to to an ATM or make in store purchases. All they did was issue me virtual cards that I can use for paying bills on line and making online orders. It is now XXXX and I still have no cards. 
Chime tried claiming it was my address, however, my friend had his Chime debit card replacement sent to my address and it made it here just fine. I asked a supervisor at Chime if I can speak to someone who handles the cards being sent, she claimed to not know or dont have access to logistics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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 credit bureaus are not following the laws. I showed them multiple times of how they were violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy. According to 15 USC 1681s-2, 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 the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this 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 non-monetary relief
Consumer complaint received 2018-10-01
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
HEALTH CARE COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX AZ, TURNED IN A NEGATIVE REPORT TO THE CREDIT BUREAU FOR A MEDICAL SERVICE THAT I HAD INSURANCE FOR. I WENT TO HAVE A XXXX  DONE AT AN IN NETWORK FACILITY THAT MY INSURANCE RECOMENDED, THIS FACILITY USED AN OUT OF NETWORK XXXX, WHO BILLED ME FOR {$1400.00}. I CONTACTED THE FACILITY THAT PERFORMED THE PROCEDURE AND THE OFFICE OF THE XXXX, BUT THEY STILL TURNED THEIR BILL OVER TO A COLLECTIONS COMPANY AND MESSED UP MY 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 explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MA
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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened up a suntrust account on XX/XX/XXXX online and was granted a checking and savings account. Then on the following day when I tried to access my account through the suntrust mobile app I was denied access to my account. I soon contacted customer service to find out the problem and was told that my account was closed and that they couldnt give me a reason why.

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 2017-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2011, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that my ( current/never late ) vehicle loan was being amortized due to my credit card ( delinquent and late due to loss of employment ) account since my credit card had not been paid. At the time, I inquired how this could happen when my car payments were on time/never late, even after relocating out of the country ( my car payments were transferred online from XXXX XXXX to XXXX ). I was told that due to my credit card being delinquent, I would have to refinance my car loan with another company as there was nothing else they could do despite the loan NEVER being late. Fast forward after my second return to the states, the vehicle was repossessed and sold. <P/>I never received a ledger for this account, nor any bill of sale information to determine how much this vehicle was sold for and how much was applied to the balance. This loan also included GAP insurance and other financial protections that I paid an additional {$70.00} a month for, and none of the benefits from those protections were applied to the " remaining balance '' after selling the vehicle. <P/>While reviewing my credit reports, I noticed that late payment dates occur on this account where the account was never late ; additionally, I personally have witnessed how the " Account Balance '' on the account magically changes from {$2800.00} to {$4400.00} and back again EACH time I file a dispute with the three credit bureaus to have the correct information reporting about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: SUN LOAN COMPANY INC.
State: IL
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 have made numerous complaints outlining why this account should be zeroed out and removed from my credit report. You have continued to violate my consumer rights under Truth in lending act, FCRA, and the FDCPA. This is my last attempt to try to rectify this situation before pursuing litigation. Ive attached an Affidavit of Truth notarized outlining various facts about the situation as well as a Cease to desist.

Company response to consumer: Closed with explanation