BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent letters out to XXXX XXXX and Experian stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX XXXX deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. XXXX and Experian stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: SYNCHRONY FINANCIAL
State: NC
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:
On XX/XX/XXXX I received an email saying an order was picked up and my credit card was charged. I did not place an order and I was not even in the same state as the pickup location. 
I called immediately to dispute this. 
The card 's automated system kept going in circles and would not let me speak to a person, nor would it transfer me to the correct department of the button I was pressing. It asked for my social about 6 times. 
This company offers NO option to dispute a charge online, only to print a document and mail a physical copy. 
I was finally able to speak to a person after more than 2 hours of holding and transfers and calling back after disconnects. This person guaranteed me that the charge was removed the same day it was added, although I requested written confirmation of this and they declined. 
It is XX/XX/XXXXXXXX  and the charge is still there. 
I am absolutely sick of these fraudulent companies taking advantage of people who don't want to wait on hold for half a day. " I apologize for the inconvenience '' - this isn't inconvenience, this is THEFT. 
Upon calling back, they had NO RECORD of any phone calls from XXXX or ever. They gave me COMPLETELY different information about " the process '' and without my permission CLOSED THE ENTIRE ACCOUNT so now I can't use it at all - and this is an account that I use frequently for personal and business so the 5 % discount is substantial. 
The way Synchrony handles this is absolutely shameful and absurd and can only be designed to make people give up by frustration - these practices should be illegal.

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 2021-10-11
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I had applied for Covid relief during the pandemic because I was unable to work as a XXXX. I restarted my monthly payments and they didn't post a late fee on my account until XX/XX/2021. They have been charging a late fee ever since I applied for relief on my account. I would like for them to freeze this account until this issue is resolved. I do not want late fees to accrue, or for it to affect my credit score. PNC has been charging me late fees ever since I applied for Covid relief with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Yes year of XXXXXXXX  I rented from XXXX XXXX the house was extremely rodent/squirrel infested in the attic, the rental refused to repair the issue I withheld rent for two close to the ending of my lease the company refused to go to court and a XXXX XXXX asked that they render payment my mail unfortunately the funds was returned to me and XXXX XXXX stated she would take out a new eviction which she later cancelled.XXXX  XXXX asked through try t message when would I be moving off the property and I told them XXXX which was a month past my move out time which they agreed to. Upon me moving out XXXX was notified multiple times I requested a move out inspection and to return the keys no response two weeks after my move out I reached again and was responded to by XXXX who stated that someone would reach out to retrieve the keys however said nothing about the move inspection. Didnt hear anything from XXXX until the following year where they sent of letter all Al types of charges and Mossi g items that was never placed inside the home. They gave the debt over to Hunter & Warfield who has been giving different info and refusing to do a proper investigation up until this current date XX/XX/XXXX  I contacted Hunter & war filed and sent over all type of correspondence supporting my disputes against this debt I have recently spoke with a supervisor who stated they was going to reinvestigate the debt upon learning XXXX was charging me for months of living when I was not living in the home the supervisor oXXXX Hunter & warfield stated that while the debt is under investigation they would not attempt to collect off the debt I recently called this week and was told it was still under investigation that debt would not be sent too collections cause its under a dispute investigation. Today it hit my XXXX I contacted the company again and was told it was a error and that it was not suppose to be sent to collection but reported as disputed and that their investigation is still ongoing. I do not owe the debt they state these are false collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The original creditor and the credit agencies unknowingly and without my consent traded my information to misrepresent and hinder my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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: Information belongs to someone else

Complaint:
It makes me wonder why does the Credit Bureaus were unable to remove he disputed items from my Credit report despite the multiple letters and complaint I have been submitting to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information and FTC 's ID THEFT REPORT I received. But despite all these, the Credit Bureaus have failed to comply with the FCRA section 605b which I highlighted on my letters. How many times do I have to inform and remind the Credit Bureaus of their obligation to comply with the FCRA section 605b? I already grew tired to disputing my Credit in a polite manner which leaves no choice but to be aggressive. I have been informing my Legal counsel about my situation and they offered to help me by taking legal action and sue the Credit Bureaus due their negligence. I am submitting this complaint to inform the Credit Bureaus of my intentions and if they still choose to not comply with the FCRA statute, my legal counsel is willing to file a lawsuit. I need the following items removed completely from my Credit File! 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX  XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00} 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 2018-03-13
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:
Non Account holding Inquiries on my credit report which I did not authorized. I sent a letter to Equifax explaining how I did not authorized the credit inquiries yet they still continue to report them on my credit report. Here 's the inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 decided to get my credit pulled due to a couple bill I received in the mail. I have never heard from the place before. Therefore I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPTEDXXXX  XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} XXXX XXXX {$420.00}

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 2022-07-25
Company: Experian Information Solutions Inc.
State: LA
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX XXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} ; XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX ) XXXX Balance : {$2200.00} ; XX/XX/XXXXXXXX ( Original Creditor : XXXX XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX ( Original Creditor : XXXXXX/XX/XXXX ) XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX) XXXX XXXX : {$750.00} ; XX/XX/XXXXXXXX Balance : {$460.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled 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 non-monetary relief
Consumer complaint received 2020-07-24
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 never received notices from the credit bureaus. I disputed an account and sent my letters out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received NOTHING as of today. It's nearly been 2 months and I do not know what is happening at the bureaus but they are not doing their job. I am including my original letters with this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # 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

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 2018-03-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
These medical accounts should not be on my credit reports they all are under 180 Days please Remove Off My XXXX credit report due too hippa violation!!!

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 2020-06-18
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I tried to transfer money to my friend in the XXXX on XXXX XXXX. transaction XXXX I received an email then that said my transaction was put on hold they need more information from me I provided them the information ( email attached ) they requested. Then I received another email that said I had to call them. When you call them all their phone lines are not in service due to the virus. 

I send them another email and stated that their phone lines are not accepting calls. 

I just need for them to release the funds and open my account back so I can continue to send my friends money in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NV
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2020-06-18
Company: CONTRACT CALLERS 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 recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

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 2020-06-18
Company: EQUIFAX, INC.
State: AR
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 informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: AR
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 XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I recently found you are reporting on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report with a report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report and I am requesting you to please remove them as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$1800.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting Act section 605b, please remove the fraudulent items as soon as possible.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have asked the companies to verify and validate these accounts and the companies still fail to do. These are unauthorized account on all three of my credit reports below. XXXX has unknown accounts on my credit report that Im asking to be deleted! 
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

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