BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX. 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 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 eleve mane 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 2020-07-30
Company: Experian Information Solutions Inc.
State: TN
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : 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 2021-06-04
Company: EQUIFAX, INC.
State: MD
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:
I have called XXXX XXXX and the 3 Credit Bureaus without any reasonable response. I had asked them to look at the evidence again after verified, but hung up on me. I'm filing a complaint to have the CFPB to ask the 3 credit bureaus and the furnisher to look thru my evidence. The account number is wrong. The late payments are inaccurate. The account has been reaged. Pls see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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.

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 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX  XXXX  rovide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
There is a company reporting inaccurate late payments on my credit report. I reached out to the credit bureau about this on XX/XX/XXXX and they did not reply back. They also have not fixed the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
After receiving my three ( 3 ) Annual Credit Reports, I discovered that Chase Card Services had flagged my decades old account ( which was never reported negatively ) with a late payment in XX/XX/XXXX.

As such, I contacted the Credit Bureau Support Unit ( CBSU ) of Chase and an investigation was commenced centering around the XX/XX/XXXX period of time. During this period, I was experiencing severe financial hardship due to loss of employment and a reduced pension allowance. I was in telephone contact at least twice in XX/XX/XXXX with Chase Card Services in an attempt to remain in good standing with my payments and requesting relief.

Chase contacted me on XX/XX/XXXX via telephone and explained that one of our telephone conversations had been transcribed from XX/XX/XXXX ; however, only one conversation was eligible for transcription. The reason for this arbitrary and capricious policy was not articulated. The conversation that was transcribed revealed that I was instructed to make ANY payment in order to keep the account current and such action would not impact me negatively. I understood this direction to mean my account would continue to be reported in good standing. Chase 's view of this direction was explained to me as only being advice and not meant to convey favorable reporting of the account. Indeed, a later conversation in XX/XX/XXXX would convey the same direction, but alas Chase declined to transcribe both contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Someone else is using all my personal information and all my finances, benefits and bank account

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 2020-07-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive replied to their notices and explained this debt is not mine and i do not have account with XXXX  or lvnv. the constant letters are now considered harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions 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:
Good Evening, recently was viewing my credit report and seen accounts on my report that are not mine. Looked up online what to do next and I Seen it was best to get an FTC report which is a police report and also got a identity theft affidavit. I filed both, I attached the identity theft victims complaint and Affidavit. Also the FTC report. These accounts are pushing me back. I was wondering why my score was down and i was having problems getting approved. This hurts bad to know that im a victim. Its better to know i will be helped. 

Thank You in Advance. 
XXXX bless You.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX ( Report # XXXX Case # XXXX ) refuse to remove inaccurate information from my credit file such as the wrong name 14 different address 's that does not belong to me. they are also reporting a public record that is inaccurate and can't be verified. I have contacted XXXX and disputed the inaccurate information. XXXX responded with a written letter saying that they verified the information with XXXX and it was accurate, however the name that they are reporting is not my name nor did I reside at the address 's on my consumer file. XXXX XXXX XXXX is not my name XXXX is not the last four digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information such as the wrong Name, Social Security Number, and! 4 different address 's i never resided at. I have contacted XXXX and filled disputes on the Identity mix up. They responded saying the information was verified and accurate, but it's not the name my parents gave me nor is it my Social Security Number That was assign to me. XXXX XXXX XXXX is not my name and XXXX is nit the last 4 digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information from my credit report such as Public Records that they refuse to verify. I have disputed the information and they responded in a written letter saying that the information was verified through XXXX and it was accurate. They also have 14 different address 's on my credit file that has nothing to do with me. I filled a dispute letting XXXX know that it was Identity theft that occurred between XXXX I received a written notice saying the information was verified and accurate. They have used their power to report misinformation on my credit file. 

TransUnion ( Report # XXXX ) Refuse to delete inaccurate information on my credit file. They are reporting debts from XXXX XXXX that was verified as inaccurate and removed by XXXX, TransUnion stats that the debts were verified as accurate. They are also reporting a Public Record on my credit file that they refuse to verify, and give me the information they did verify. Transunion has 14 different address 's on my credit file that they claim are verified as accurate, I have never lived at the address 's and sent proof to all Credit Reporting Agencies.

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 2018-09-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
After trying for over a month to resolve this matter, I am writing to you to ask for help. Wells Fargo bank is holding my funds hostage. My daughter recently moved to XXXX to work on her XXXX XXXX degree. We opened a joint account so I could access the funds if she needed anything. She set up online banking so she could transfer between her Wells Fargo account and her bank in XXXX. On XX/XX/2018, Wells Fargo put two trial deposits into the XXXX bank account to verify the account. On XX/XX/2018, using Wells Fargo online banking, I initiated a {$3000.00} transfer from the XXXX bank account to Wells Fargo. The money was debited from the XXXX  bank account on XX/XX/2018 ; but has never been credited to the Wells Fargo bank. For the past month, my daughter and I have on many occasions either visited a branch or called a branch to find out the status of the money. I have been told that since a claim was made by my daughter, that they could not speak with me concerning the case. On XX/XX/2018, I visited a local branch of Wells Fargo to once again try and locate the missing money. After spending over an hour and speaking with three different people via the phone, all I know is that they suspected the transaction was fraudulent and returned the money at XXXX. They still can not say where the money is or when I should be receiving the credit for the deposit. They did tell me to check with the XXXX bank which I have but was told, " since the transaction started on Well Fargo 's website, they would have to resolve this issue. ''

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 2018-09-28
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt reporting on my XXXX credit bureau. I have tried resolving with the collections company Alpine Credit , Inc by mailing a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX  from the credit report, of which I received no response from and also there is no contact number provided on the report which is required. The debts reporting are {$150.00} and {$210.00} medical bills reporting in my deceased spouses name, who passed away XX/XX/2017. This is not my debt, nor did I sign as signatory financially responsible for this debt. I have tried multiple times to reach the company to discuss this and resolve but have been unsuccessful in reaching them. The contact information listed on the credit report is not good contact information. for Alpine Credit.My rights under the FCRA and FDCPA are being violated, and if this isn't resolved I will contact an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase using the XXXX 's XXXX XXXX XXXX XXXX XXXX credit card on XX/XX/23 for {$1400.00}. It was set up for paperless statements, and the first statement went to spam and I missed it. I logged in to check on when the payment was due on XX/XX/23 and saw I had been charged a late fee. I called and explained, and the late fee was waived. I searched the entire website to try and find auto payments and alerts to avoid this problem in the future. There were no options available on the website for this, so I set up manual monthly payments in the amount of $ XXXX, well above the minimum payment due. 

My error was that I set the first payment for a month out, which was 5 days after the due date each month. I thought I had set everything up correctly. I went to the website today to check the balance, and saw that I had been charged {$41.00} in late fees and {$2.00} in interest charges every month since May. I never received a late notice, either written or email, and the statements for this account went to a spam/junk folder. 

I feel the website is intentionally set up in such a way as to deter customers from protecting themselves from late fees and interest charges by not making the auto pay and alert/notification options available. When I contacted the company to explain what happened and ask them to waive the late fees, they refused. I am out {$210.00} in late fees.

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 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are chargers on my credit card and credit report that are not me and I am now owing Capital One more than I used on my credit card. Not only that but I have these negative marks now on my credit. This has been going on since XX/XX/2023 and now I owe over XXXX to Capital One with derogatory marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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 under 15 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 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 XXXXXXXX ) 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 USC 1681 s-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 in the 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 2020-03-11
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX  # XXXX is reporting an account to my credit that I never received a notice for. I never received any kind of 30 day right to dispute notice and I had no idea I had this collection until I had my credit pulled and saw it on there. As soon as I noticed the collection I paid it and there is no reason for it to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied to XXXX at XXXX apartments in XXXX, NV on XX/XX/XXXX. When I applied the screening company rentgrow notified me that the data furnisher they use is transunion and transunion is reporting a civil judgment, ( case XXXX ) that was vacated and dismissed by court order on XX/XX/XXXX. I would like this information to be updated and 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 non-monetary relief
Consumer complaint received 2019-11-14
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was going to buy a dog and a XXXX page contacted me saying that he had it and had to pay half before and half after I get the dog, and then I paid by the Zelle {$320.00} at XX/XX/2019, and then in a couple days he sent me a msg saying that i should get an email from the shipping company and could be at the junk, when he said that I already knew i got robbed, but i opened the email and there was saying I had to pay $ 900+ refundable to the shipping company, and then I told him that he never told me about paying that I didn't have that money, and he said yeah I know I should have told you before and bla bla bla , and then I told him that I already knew that the email was fake and if he didn't pay me back I would call the police, and then he blocked me. So I opened a case on XXXX XXXX XXXX but after one week they said that weren't their error and could not do anything about it. Hope everything is explained. 
Thanks in advance

Company response to consumer: Closed with explanation