BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
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:
Ive just reviewed my credit report and I noticed there is an account on my report that is NOT MINE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for Experian 's reporting services could fax, mail, or email in a fraudulent account. 

The account from XXXX XXXX is NOT MINE. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for XXXX XXXX. Your decision to post this invalid account on my credit report, as well as your failure to positively verify this erroneous account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. 

If you are unable to provide me a copy of verifiable proof, you must remove the erroneous, inaccurate, unverified, invalid account listed below : Creditor/Name of Account : XXXX XXXX Account Number : XXXX Status/Provide Physical Proof : UNVERIFIED ACCOUNT ( NOT MINE ) I demand the following accounts be verified or removed 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 explanation
Consumer complaint received 2020-05-14
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX {$2800.00} XXXX XXXX  XXXX {$760.00} XXXX  XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX XXXX {$3100.00} XXXX XXXX {$25.00} XXXX  XXXX {$400.00} XXXX  XXXX {$810.00} XXXX  XXXX {$500.00} XXXX  XXXX {$790.00}

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 2020-05-14
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$2800.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX XXXX  {$3100.00} XXXX  XXXX {$25.00} XXXX  XXXX {$400.00} XXXX  XXXX {$810.00} XXXX  XXXX {$500.00} XXXX XXXX {$790.00}

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 2020-11-01
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Open in the account XX/XX/2020 with US Bank after paying off a debt I owe to the bank being Ave from the worker bee Branch sure that was there that XXXX I was notified that I can open a bank with them after going to the regulations to verify that I owed with XXXX XXXX and paid off my debt I open an account deactivate my account was closed due to suspicious fraudulent activity is what they said none the less I am being told that it was a third-party investigator investigation company of some sort that I notified under eye can I open an account they took the money that I had in my account and my account has been closed after that do I have to buy money coming from this account has been closed in my name and they expect me to pay off this money

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 2022-01-06
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with XXXX with 2 bureaus but they've reported it as 48 months with XXXX and XXXX. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( XXXX XXXX XXXX ) and reports as {$11000.00} to experian. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late

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 2018-03-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of inquiry issue of XXXX/XXXX XXXX. I had never applied for a credit with this company. Please remove these inquiries in accordance with the Fair Credit Reporting Act. Delete the following using the effective inquiry date ; XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/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 2020-12-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Macy 's credit card is not creating a fraud investigation after several calls to the fraud and collections department, and continues to try and recover the debt. I last made charges on the account in XXXX of 2020, then in XXXX of 2020 several fraudulent charges were made on my account. Below is a brief timeline of the relevant events. 

-XX/XX/XXXX 2020 last legitimate charges made on the account. 
XXXX XXXX, 2020 first fraudulent charge -XX/XX/XXXX, 2020 last fraudulent charge

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is inaccurate, I have tried numerous to contact TransUnion, XXXX, and XXXX to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.

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 2020-11-01
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My bank account at a pnc branch in XXXX pa was closed for supposed failure to proof residence. I took letters from them sent to the address on record and also other proofs and still my account was closed. The same day my paycheck deposit was deposited. Bank said I'd received a check in the mail 5 business days after the day I visited the bank and have not received my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The Experian credit reporting agency will not release a security Freeze on my credit report. Despite repeated efforts, Experian has been unable to remove the security Freeze from my account. This is preventing me from refinancing my home and saving thousands of dollars. 

First of all, it is incredibly difficult to get a human agent on the phone when calling Experian 's customer support number. Once I finally found a path to speak to human agents, I explained my objective. On 3 separate occasions I spoke to customer service agents and each time they assured me that my credit report was no long under a security Freeze and that lenders would be able to see my perfect XXXX XXXX  score. The most recent calls were on XX/XX/20 and XX/XX/20. Each time I speak to a representative they say that the security Freeze has been removed from my bureau. However, when I apply for a loan to refinance my credit, each lender ( and I have contacted 3 separate lenders ) are unable to access my Experian credit score. The lenders tell me to go back to Experian to remove the Freeze and the cycle continues. 

I am being held XXXX to a broken system that I believe originates on Experian 's side of the equation. Please help me out.

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 2020-11-01
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was charged about XXXX dollars in XXXX from XXXX. I was also charged an additional about XXXX dollars from XXXX as well as 2 separate charges billed through XXXX for wish orders roughly XXXX dollars and the other XXXX dollars. I also hard a random XX/XX/XXXX charge for roughly XXXX dollars all in XXXX. More recently I have seen multiple XXXX XXXX purchases and transfers on my account all in the month of XXXX for XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars and XXXX dollars. All of these transactions were never once made on my behalf let alone my account. I did report every single one of the charges and usbankreliacard decided to close my case in only a 14 day time frame without even doing the proper investigation because if they had that done they would of clearly seen that there is absolutely no proof whatsoever that I got any items to my household let alone any proof that I ever made any of the charges on my account. They have been reported as fraudulent charges on identity thief, XXXX and now cfpb. All I want is my money back that is rightfully my money back. I never gave permission or authorized anyone to use my card anywhere in anyway and at any given time. I need my money. And I need my money back now. I was supposed to get a provisional credit within 10 business days but I never even got that. I need help. And I need help now.

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 2017-08-05
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently discovered a collection on my credit report from Enhanced Recovery Corp. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have not paid my mortgage for the past 2 months. I applied for refinancing and I got approved but I will have to pay the full amount at the end of the 3 months that I have not paid in lump sum at the end of the period. I'm currently not working because of the Corona virus pandemic as well as being evolved in a XXXX XXXX. I'm currently trying to apply for XXXX benefits due to not being to work. 
I wanted to see if I could defer my payments or add them to the end of my mortgage until I get approval from the state for XXXX. I currently am on XXXX and receiving XXXX XXXX  to get any help I can for now, I have 2 dependents that I have to care for a XXXX and XXXX year old. My lender is Amerihome, I need help I still want to keep my home and pay my mortgage Just seeing if there's any way that I can defer my payments until I can get better financial help in my hardship situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I paid a bill on the XXXX by phone. It was to XXXX. It immediately was deducted from my balance. The next day I transferred XXXX into the account. Then the next day the VA transferred XXXX into my account. Immediately I transferred XXXX into a separate account and had XXXX. I went to the ATM and withdrew XXXX  and the receipt said my AVAILABILE Balance was XXXX.

I then went to XXXX and spent XXXX which left my balance at XXXX.

When I called my bank they claimed my balance was XXXX and I was over drawn by XXXX   XXXX denies any purchase if funds are not available. My bank never approved any of my past XXXX transactions when there were no funds available and I have proof by ever email that states that the transaction was denied by my same bank. They stole the XXXX and claimed it was an XXXX  purchase. The first time I called they said it was the XXXX bill. The 2nd time they claimed it was a purchase I made for XXXX using my pin. The 3rd time I called back they claimed it was the XXXX  purchase but my account did not reflect the XXXX   available balance. They messed up the actual management of my account on a Saturday.XX/XX/2018. There are accounting errors and internal corruption at Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Conn's, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX account XXXX furniture company Conns company Are ID Theft and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Portfolio Recovery Associates LLC, entered into written Settlement agreement, these XXXX XXXX stated in their letter that they would remove their TradeLine OFF my Credit Report, but rather these XXXX are still showing their TradeLine on my XXXX Credit report in an effort to Suppress my Credit Report as a XXXX Consumer. Portfolio Recovery Associates LLC are collaborating with XXXX XXXX and XXXX with efforts of Suppressing my Credit Report. CFPB, if you would read attached letter from these criminals Portfolio Recovery Associates LLC whereby they would XXXX Purge their little XXXX TradeLine Off my Credit Report, its still there!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ive had a PayPal credit card for several years. Due to coronavirus and a huge hit to my income I was unable to make payments for 3 months or on time. I finally got a XXXX loan for XXXX XXXX and tried to pay my credit card. They will not allow my card to be open. After having this credit card since XX/XX/XXXX. This destroys my credit at the time when I need it the most. 

As of today XXXX I had to call again to have interest fees waived after I overpaid on time to get my credit card and my credit in good standing.

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 2020-07-06
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:
Please remove this on my credit report XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX  open date XX/XX/XXXX XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX open 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 2020-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Marked as evidence in my attachments, you can see the malice intent by Equifax by going in to my XXXX Credit Report and Opening up the Accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX. Now these XXXX with malice intent [ OPEN ] these accounts after, TradeLine, Creditors, Charged off and CLOSED these accounts here listed above. See this criminal XXXX move by Opening these XXXX ( increases ) my XXXX DTI, debt-to-income Ratios, check out XXXX  attachments, over $ 7,700.0monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: William D. Meeker Enterprises, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CIC Credit reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XXXX  have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XXXX  report. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: DISCOVER BANK
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:
I checked my credit report last XXXX XXXX since I received a letter from one of my creditors that they are lowering my credit limit due to a negative report of my credit. I found out that a credit card issued by Discover Financial Services was opened last XX/XX/2019 without my knowledge and authorization with a credit limit of {$5000.00} and unpaid balance of {$4900.00} and still ongoing as of todate..Per credit report account was closed by Discover on XXXX.I disputed the account last XXXX XXXX. Per Discover report to XXXX the account was accurate.However I never applied nor authorized anybody to open an account with Discover. I do not have or have had any account with Discover.I went to XXXX Police Department and file a complaint of Identity theft with Police Report file no.XXXX.I have also filed to Federal Trade Commission Identity Theft Report with FTC Report No . XXXX.

Company response to consumer: Closed with non-monetary relief