BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, I disputed several inaccurate entries that were reflected on my Experian and XXXX  reports ( see attached ). Previous addresses as well as previous employment that is incorrect and several other accounts that are reporting inaccurately are currently being reflected on my reports. Please see attached copies of disputes that were sent to both bureaus and as of today, XX/XX/XXXX, neither Experian nor XXXX have responded to my dispute. I have not received any correspondence from either bureau requesting any additional time to investigate nor have I received any initial correspondence from them responding to my initial dispute. My tracking via USPS for Experian reflects they were in receipt of my dispute on XX/XX/XXXX ( USPS tracking number XXXX ) ; see attached copy of return receipt. My tracking for XXXX  reflects they were in receipt of my dispute on XX/XX/XXXX ( USPS tracking number XXXX ) ; see attached copy of return receipt. 

Consumer law mandates credit reporting agencies respond within 30 days to disputes from consumers. Experian has had 58 days and have yet to respond. XXXX has 54 days and have yet to respond. As previously stated, neither bureaus has not responded ; therefore, each item reflected on my disputes to each bureau must be deleted. Additionally, I would like a full, updated copy of my credit reports reflecting the changes be sent to my address.

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 2023-08-07
Company: Army and Air Force Exchange Service
State: KS
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:
Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan due to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports

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 2021-07-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was notified by my credit monitoring system that IC Systems placed a collection on my credit report with XXXX. I immediately called and spoke with their representative XXXX XXXX on the same day. XXXX XXXX informed me the account was in reference to XXXX from XX/XX/XXXX. I informed XXXX XXXX that not only have I not received any communication about this debt prior to this account being placed on my account but I was in fact disputing the account as I did not owe XXXX any debt. XXXX XXXX informed me that communication was sent to an address that I have not lived at in over ten years and in a different state, and to an email address I have not used as well. This information was further confirmed by XXXX XXXX XXXX who acted as her manager during the call. I notified them verbally as well as written that they are in violation and have to report something to my credit without communicating with me. I verbally requested the account be disputed and removed for cause and they told me it would not even though they did not follow correct procedures. 

According to the Fair Credit Reporting Act and fair debt collection practices Act they are required by law to communicate the matter to me prior to placing an item on my credit. The recorded conversation clearly states it was not communicated. I want this account immediately removed from my credit report. This action is fraud and I will take action per federal and state laws including Violation of the fair debt Collections Practices XXXX and defamation of Character. A case will be initiated through the CFPB.

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 2023-01-04
Company: EQUIFAX, INC.
State: NY
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: Information belongs to someone else

Complaint:
On my equifax has had my information wrong and since the leak of my personal data, I've be disputing my address as well as my employer and it's extremely important that is is address asap and this is a last line of defense. It's not easy to disputing address and employer with equifax. 
My So be XXXX XXXX XXXX, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX. 
My Employer only XXXX XXXX XXXX and nothing else

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Credit Karma, LLC
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 been using Credit Karma to track and try to establish/build credit. I am unsure, but their ads of being prequalified may have negatively impacted my score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX  XXXX '' XXXX Received : XX/XX/XXXX XXXX XXXX EST To : XXXX Subject : Other Inquiries Hello, We have attempted to pay our balance due on card prior to promotion expiring as we were not aware, but this was denied so we would like to fine a grievance. I'm willing to payoff our balance of XXXXXXXX  prior to interest being added last month, but will not pay XXXX now on my card. I will also file a complaint to the " Consumer Financial Protection Bureau '' if we are not able to resolve this issue since this practice does not seem legal or ethical. Thanks XXXX XXXX From : Customer Service To : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. 

We apologize for the delay in our response. Your inquiry is important to us. 

I hope that this message finds you well. 



Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days.

We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX.XXXX  Customer Service From : XXXX XXXX XXXX To : Customer Service XX/XX/XXXX XXXX EST Reply Hello, We have not received any written responses from you and would appreciate your attention to our inquiry. Thanks 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 monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: VA
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:
See attachments! 
Inaccuracies and unverified information on my consumer report has caused me to lose faith in the banking system!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: SANTANDER HOLDINGS USA, 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:
Here are more supporting details about this situation. I was going over my credit report back on XXXX XXXX and noticed that a company called Santander Consumer USA Inc was reporting on my credit report. I called the company 10 times but no one ever answered so I decided to reach out to XXXX, XXXX, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department XXXX XXXX California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with Santander Consumer USA inc . I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and Santander, XXXX, XXXX, and XXXX. I have included more than enough supporting documents to have this account removed. I am including all reports that were received by the credit bureaus and the laws that they violated under section 605B of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE GROUP ( collection agnecy ) XXXX XXXX XXXX XXXX ( creditor ) this is a collection agency reporting to my credit for {$370.00} without verifying the details as i called them dated XX/XX/2023 to get details of the debt, they did not provided me accurate info instead they asking me my details. 

called XXXX even they are not providing their email for communication ( time XXXX XXXX XX/XX/2023 ) Spoke to XXXX XXXX on XXXX XX/XX/2023 XXXX XXXX and still he did not provide the comapny email address after request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: VA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: MA
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 incorrect hard inquiries on my Equifax credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Equifax report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 noticed that Capital One has reported a charge-off status for an account that I believe has been inaccurately reflected. I have diligently maintained my financial obligations and made efforts to address any outstanding balances. 

They started reporting this on XX/XX/XXXX. The last reporting was on XX/XX/XXXX. The balance on this is XXXX dollars. It is to my understanding that they have sold my account to a collection agency in the beginning but now they got a credit from the IRS when filing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
Currently, XXXX, XXXX and Transunion are reporting a Bankruptcy XXXX XXXX. I initially sent a letter to all three bureaus on XX/XX/2022, asking if this Bankruptcy could be validated. While waiting for a response I reached out to the Bankruptcy Court and asked if this information could be verified. In turn I was was advised by, Bankruptcy Court does not share or report information with Transunion, XXXX or XXXX. Because I understand it takes time to process a validation requested, I waited until XX/XX/2022 to send another follow up letter. I had received no responses, therefore I requested for Transunion, XXXX and XXXX to provide any supporting documentation that would validate this bankruptcy. Yet again I still received not responses. I sent 2 additional letters on XX/XX/2022 and XX/XX/2022 requesting the bankruptcy be removed from all three bureau 's as none of this information has been verified. Furthermore there were also several student loan late payments and collections accounts on my report that incomplete and inaccurate reporting. As far as the Student loans, I had sent several letters dated XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I noticed there were several late payments indicating I was 120 days late however the previous month I was on time. How can you go from on time to 120 days late within 30 days. This is not accurate and should not be reporting. I have sent four letters asking for validation and i have not received one response, or proof supporting the reportings. Lastly there had been some collections added to my report i had no knowledge of and again i requested for these documents to be validated and i haven't received anything. i have attached all the letters i have sent.

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 2021-11-12
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:
There is an account for a timeshare company ( XXXX XXXX XXXX XXXX ) listed on my credit report. I sent separate certified letters to both the company ( XXXX XXXX in FL ) and the Credit Bureaus ( XXXX and Experian ) disputing this account. I asked for validation of this account and a signed contractual affidavit showing that this was indeed my account and not a mistake on their end. I received documentation from the credit bureau as the item being updated but nothing showing a signed contract. I have yet to receive any documentation from the company ( XXXX XXXX ) regarding this account. This account is currently listed on my credit reports as a negative item with a balance of {$14000.00}. I have never had an account with ( XXXX XXXX XXXX XXXX ) and do not even own a timeshare. I have never utilized any services related to this company.

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 2020-02-28
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 found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$4100.00} XXXX/XXXX   XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$2200.00} XXXX/XXXX   XXXX {$1100.00} XXXX  XXXX/XXXX  XXXX {$810.00} XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX  XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX   XXXX  XXXX {$4200.00} XXXX  XXXX {$2000.00} DPT ED/XXXX XXXX {$2200.00} XXXX   XXXX {$2200.00} XXXX/XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NH
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:
Company : BNY Mellon Trust of Delaware Card Services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX I was the victim of identity theft over a month ago for {$300.00}. There were 3 fraudulent charges placed on my debit card via XXXX XXXX. XXXX XXXX has done virtually nothing to make sure that I was taken care of. 

Charge 1 : {$110.00} Charge 2 : {$76.00} Charge 3 : {$93.00} On XX/XX/2022, between XXXXXXXX XXXX and XXXXXXXX XXXX, XXXX different orders were placed on my XXXX XXXX account. Each of these orders was shipped to different states in the US ; one in Pennsylvania, one in Texas, and one in California. There were also items on each of the 3 orders that were to be picked up in New Jersey. Residing in New Hampshire, anyone with common sense could immediately see that I did not place these orders. My XXXX XXXX membership was inactive for 2 years prior to these orders as well. 

BNY Mellon was responsible for investigating this case. They determined that the charges in question are valid. When I called the agent to get an explanation, he provided NO information about the timing of these transactions, the contents, and the delivery addresses of these fraudulent orders. There was also no tracking of the IP address from which these transactions were made, which would clearly show that the orders were not made from a device in my local area. 

I found it highly inappropriate that this claim was denied in the manner of which it was. I provided ample evidence of each fraudulent order number and delivery address, all of which were located across the country. I even provided the email statement sent from XXXX XXXX stating my membership renewal was fraudulent. I also provided screenshots of each order, with order numbers. Being located in New Hampshire, it is very suspicious that, after almost 2 years of inactivity on my XXXX XXXX account, orders were placed to be delivered in Pennsylvania, Texas, and California in the span of a couple of hours. This is not normal shopping behavior and shouldve been the first area looked at in the prior investigation. 

BNY Mellon has been extremely uncooperative in this matter. They gave me the option to appeal the denied claim by faxing a letter of intent and other supporting documents. The fax number they gave me was not valid ( XXXX ). I tried 3 different fax machines and all of them did not allow me to send to that number. 

After not being able to fax my appeal, I called BNY Mellon back. I was told by the agent handling my case to just email my appeal to XXXX. His name is XXXX and has not been helpful at all ( XXXX ext. XXXX ). It has been over a week and I have not heard back from them at all via email or phone. I have followed up twice and have not heard anything regarding my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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

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