BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-01-18
Company: Experian Information Solutions Inc.
State: KY
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: Problem with personal statement of dispute

Complaint:
This is wrong and whoever wrote that statement absolutely lied .... you have damage my credit and now you want to throw the rock and hide your hand .... 

Please answer what's in attachments

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 2021-05-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Purchased a XXXX phone from the XXXX XXXX  in XX/XX/2021 with Synchrony " XXXX  store financing. '' After signing up for the credit I found they would only allow online billing only. I presumed this would mean I would need to respond to an email payment request. 

After a month of not receiving any payment request I found a snail mail notification to setup a synchrony account from Synchrony. We did quickly and found a late charge was already applied for the first payment due XX/XX/XXXX which was then paid on XX/XX/XXXX. Checking into the account I now find, on XX/XX/XXXX, the full account balance due. 

We paid the late charge, setup the account, and setup monthly autopay. However, the company then made the entire balance due. Since autopay was for a fixed amount it required intervention. I'll note this was not just the last statement balance but also the current amount due after posting payment and the late fee. I paid the full balance and closed the account. While this is just an annoyance to me, this is a predatory practice for low income earners who do not have cash for such things readily available. I contacted the company through their available channels with no productive response. 

It has also persuaded me that I will never trust XXXX or synchrony to be reasonable brokers for my transactions. I have, for a decade, avoided anything XXXX due to their practices. Add to the list XXXX/Synchrony. 

Had I continued being non-responsive, declined to pay a late fee, or failed to complete another reasonable step then the full account balance due would be reasonable. However, the action of taking a late fee payment and then also demanding the full balance due is designed to ensnare late fees and put people into a debt cycle.

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 2020-09-24
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a letter from American Express on XX/XX/2020 saying that my application for the XXXX XXXX XXXX card from American Express was denied because I have a freeze on my credit file. The letter then asked for me to provide the PIN and access code for the reporting agency. 

I never applied for the card and when reviewing the company call back number XXXX XXXX XXXX several reviewers questioned the legitimacy of the number. I believe this to be an act of fraud, not sure if by an individual or American Express itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$3800.00} XXXX  XXXX {$8500.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX  XXXX {$860.00} XXXX  XXXX {$32000.00} XXXX/XXXX  XXXX {$310.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}

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 2018-10-29
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: Information belongs to someone else

Complaint:
I contacted Equifax and informed them the following is not correct. The information is still reporting incorrectly. 
I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that I have no knowledge of the origin. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following accounts are NOT my accounts, please remove from my report XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX I requested a block and cease from reporting and they failed to do so : Please block and cease reporting the following accounts and inquiries. The report is not accurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX I sent out letters disputing accounts on my credit profile to all three credit bureaus XXXX XXXX and Transunion. I have yet to be notified of my investigation status. I disputed misleading accounts on my credit report because they weren't my accounts. I feel as if I am being taken advantage of during this process from these three bureaus. This process has also given me lots of XXXX and I want to move on. I even sent a DEMAND TO COMPLY letter and still haven't heard anything. According the FCRA bureaus have 30 days to reply to any letters and they have failed to do so.

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 2023-05-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-07-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, I mobile deposited a check into my personal Chase checking account. The valid check was addressed with my name from my landlord for a security deposit return in the amount of {$3400.00}. Chase Bank has withdrawn the funds from the check makers bank account, but has not released them to me or returned them to the maker of the check. Additionally, Chase has entirely suspended all of my other unrelated funds associated with this account, a total of {$84.00}, and closed my account. Chase Bank is now refusing to issue the funds ( both the {$3400.00} and the {$84.00} ) to me. They also have refused to issue the check funds ( {$3400.00} ) back to the maker of the check. Due to the negligence of Chase Bank on this matter I am currently being held liable for these funds. 

In attempts to resolve this issue with Chase Bank, I have spent a total of 227 minutes on the phone with their customer service. I first reached out to them on XXXX for a total of 32 minutes on the phone and then visited their branch in XXXX XXXX, XXXX XXXX XXXX XXXX to inquire as to why I could not access the funds. I was told the funds would be made available in 5-10 business days at the bank. My account was then suspended and the time had passed so I reached out again on XXXX to their customer service. I had 4 calls on XXXX ; XXXX 22 minutes, XXXX 1 hour and 43 minutes, XXXX 4 minutes, XXXX PM- 53 minutes all in an attempt to resolve the issue. No feasible resolution was offered. When the funds were deducted from my account on XXXX as " DEBIT DDA- CHECK CHARGE '' by Chase, I called again to inquire for a resolution for 6 minutes at XXXX and 7 minutes at XXXX. Through all of these communications no resolution for the release of these funds has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have experienced recent fraudulent activity on all my accounts. During this time the city of XXXX, Ohio and surrounding cities experience a 15 tornado phenomenon that has left these places in devastation. As a result the credit union took emergency action to secure all of my accounts. One of the actions consists of a freeze. I was contacted by representative and I advised her what transpired. She continued to press for a date and time. I advised to thwart any additional fraudulent attempts this action would take some time. I advised I contacted all three major credit bureaus and my previous debit card/cards affected would be cancelled. I requested the late fees be removed. I was advised this could not take place, with no guarantees of course, until a payment has been made. Since then I have received numerous calls a day from multiple numbers. As a long standing consumer of over 10 years I find their actions uncalled for and appalling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: I.C. System, 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:
XXXX XXXX XXXX 1925 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instruction.

15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose. 
Remove these late fees payments and update this account immediately as you are in direct violation of several laws under 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 explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from transworld systems inc saying I owed XXXX from a previous rental apartment debt they bought. I requested verification from them and they sent a log of invoices from my previous landlord. I reached out to my previous landlord and asked them to confirm that they sold my debt and they told me they had not sold any debt in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: CITIBANK, N.A.
State: ND
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 happened in XXXX and it is now XX/XX/2019 and it seem as if this will stay on my report for 2 years. I am paying for something that was not dont by me. Macy has told me countless times they told XXXX to remove this inquiry. While XXXX have told me that they have not received anything from Macy about removing this Fraud Inquiry. I am sick and tired of these two companies failures to fix this problem. Macy knows that the application that they received was not even in my name and did not even have my social security number so why is it so hard to fix an mistake you made

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 2023-11-23
Company: EQUIFAX, INC.
State: CT
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:
I hope this letter finds you well. On XX/XX/XXXX, I contacted Equifax regarding the presence of inaccurate information on my credit report. Unfortunately, to this date, I have not received a response from Equifax. I am writing to formally dispute the following incorrect information and request the necessary corrections in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX Account # XXXX Account # : XXXX  Date Opened : XX/XX/XXXX High Credit : {$2500.00} Please remove this account from my credit report. 

XXXX  Account # XXXX Account # : XXXX Date Opened : XXXX  High Credit : {$1900.00} Please remove this account from my credit report. 

XXXX Account # XXXX Account # : XXXX  Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report. 

XXXX Account # XXXX Account # : XXXX Date Opened : XXXX  High Credit : {$6000.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$6000.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. 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. Please update the following inaccurate accounts in my report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681. 

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, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: Colony Brands, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received an alert on XXXX about a late payment. Called XXXX and was told that an account was opened on XX/XX/2022 to Montgomery Ward. 60 days late payment ; {$290.00} due. XXXX gave me a phone number for this company ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 reportsno consent is fraud. 

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 non-monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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