BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on transunion, XXXX, and XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Misc.

XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

Sincerely, [ Your Name ]

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 2019-06-07
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 5 revolving accounts that had fraudulent charges made on them and experience wont investigate them. 
XXXX XXXX XXXX XXXX {$1900.00} {$2000.00} 100 % Revolving Negative XX/XX/2011 XXXXXXXX XXXX DELAWARE XXXX {$8000.00} {$7600.00} 106 % Revolving Negative XX/XX/2011 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3800.00} {$3500.00} 109 % Revolving Negative XX/XX/2011 XXXX XXXX XXXX   XXXX {$2100.00}

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 2019-06-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase bank refuses to reverse a completely fraudulent charge from XXXX that was not authorized by me. I have contacted both Chase and XXXX to solve the matter amicably but they both refuse to reverse the charge that was billed fraudulently. I informed both Chase and XXXX that my computer had been accessed without my knowledge and billed as my XXXX and credit card credentials are saved in my computer. My personal computer had a series of new browser history in which I had not searched, websites I had not visited, and numerous other indications that someone had been using my computer. XXXX is taking advantage of the matter by agreeing that it was a fraudulent charge but keeping the money regardless. 

They stated the following : " My name is XXXX and I work here at XXXX. 

Thank you for reaching out although I'm sorry to hear about this situation. 

We are also unable to intervene when credentials ( ex : device ) and/or accounts are shared, so we are unable to mediate or assist with this dispute. '' Chase Sapphire Preferred has been equally unhelpful stating that XXXX  has supplied evidence of the charge : " My IP address, ID, and email '' .... after I had already informed them that all the aforementioned is accessible from my computer as XXXX has a copy of my driver 's licence saved as a verified user and there is a copy of my driver 's licence my computer, my computer was used ( IP address match ), and the login to my email and XXXX is saved and so is my credit card for quick checkout. I have spoken to several representatives who are snarky, condescending, and smug. 

The following is information regarding the fraudulent charge. 

Confirmation code XXXX Total cost {$1900.00} FRI, XX/XX/XXXX MON, XX/XX/XXXX My card type : Chase Sapphire Preferred If the matter is not resolved I am planing on legal action. I am also filing a police report. I will be closing all accounts with Chase, XXXX, and prompting all of my family members to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Seterus, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
. Seterus reported late mortgage payments on my credit report that are not accurate. They have listed me as being late 30 days XX/XX/2017,XX/XX/2017 and XX/XX/2017 and 60 days late XX/XX/2017 ( I was 30 days late on the XX/XX/2017 payment ). Many payments were not credited to my account correctly. I have tried to dispute this though the credit bureaus, but was told that the information had been verified, but received no proof of this. This is damaging my credit score. I made on line payments and telephone within the grace periods, but these were not credited to my account in a timely manner.

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 2021-04-26
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IL
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:
NCTUE stated : " XXXX XXXX XXXX has advised the NCTUE that the accounts have been updated within their internal systems to reflect a zero balance and XXXX XXXX XXXX sent an update to the credit bureaus XX/XX/2021. It can take up to 120 days for the update. The NCTUE has agreed to review the consumers data report periodically to verify the updates have been made. '' XXXX XXXX XXXX zeroing out fraudulent accounts has nothing to do with me. The three XXXX XXXX XXXX accounts # XXXX XXXX, XXXX, and XXXX never belonged to me and should have never been placed in my name since XXXX XXXX XXXX was never able explain why these accounts were placed in my name. 

Further, the issue I have with XXXX XXXX XXXX is currently in arbitration. If XXXX XXXX XXXX can not state with specificity why it maintains that I am responsible for the three accounts by continuing to report same, why is it fair for NCTUE to continue to collaborate with XXXX XXXX XXXX to deceive a consumer and NCTUE not follow its own dispute protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Freedom Mortgage Company
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: Problem with personal statement of dispute

Complaint:
Describes no payment done on XXXX and late on 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 2019-05-30
Company: C & M Associates Group, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello. Today I received the second of two calls from a company called XXXX, XXXX and XXXX. Also appears they operate as C & M Associates out of XXXX IL. This apparent debt collector is claiming I owe a debt from approximately 20-25 years ago. I explained to the individual on the phone that I have no knowledge of any such debt and found it very odd that through loans Ive secured over the years i.e mortgage, vehicles, etc. this record of debt never surfaced on any report from the three credit reporting agencies.I also proceeded in asking him to mail validation of this debt. Seemed like a logical request. He mentioned he already had and didnt intend to do so again. To be clear, I have no record of this letter he states he mailed. To top it off the amount hes claiming I owe is over {$9000.00}. At that point in the conversation he appeared to become aggravated and proceeded to threaten me with a lawsuit and wage garnishment asking me if I still worked at xxxxxxxxxxx. He went on to state I have plenty of available credit ( quoted that amount ) to pay what he was asking for. I explained to him that I have no intentions of paying anything without the proper supporting documentation, and at this point, it would be in my best interest to contact an attorney in hopes that we can get to the bottom of this. He hung up on me. Given what Ive learned so far and the failure for the individual to provide any form of meritorious documentation, Im suspicious this could be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted a payment of {$3000.00} on XX/XX/2022 to my Barclays credit card. 

The payment cleared from checking account with XXXX XXXX on XX/XX/2022. 

Barclays then, without my authorization, withdrew an additional unauthorized {$3000.00} on XX/XX/2022 - totaling {$6000.00}. 

I made several phone calls to my bank and to Barclays. Barclays kept blaming their own internal technical problems but offered no resolution. Their technology issues are not my issues, and the additional {$3000.00} that they withdrew without my authorization should not be held hostage while they fix their systems.

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 2021-03-26
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: Their investigation did not fix an error on your report

Complaint:
Two of the credit reporting agencies are reporting the date they updated certain accounts on my credit report is this month. The information is still inaccurate. The bureaus have exceeded their statutory time to correct the issues and even attempted to mislead me. This is prolonging my ability to obtain a home loan, causing considerably higher interest rates on all financial products, and is detrimental to my family 's safety and security. 
In XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), inconsistencies between two different reports concerning a single consumer are sufficient for a plaintiff to withstand a motion for summary judgment on a claim under XXXX ( b ). 
I pulled the attached report XX/XX/XXXX ( today ). I have highlighted the exact discrepancies as well wrote notes. All accounts show an incredible amount of inaccuracies between your agencies ( XXXX ). As of yet, I have not received and proof of debt nor any proof of accuracy from any agency. The Department of Education, XXXX, New York XXXX XXXX accounts need to be deleted 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 2020-09-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I lost my Job in 2019 which placed a Financial Hardship on me and my family. 
I missed 8 payments ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 ). 

The representative informed me that there is nothing the company could do about Missed Payments from XX/XX/2019. 
The Missed Payments is placing a hold on my process of Purchasing a Home and or acquiring new lines of credit by having a negative  reflection on my XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My payments are every XX/XX/XXXX of the month. I made the payments thru the mobile app and was never recorded. This happened for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested for this account to be put on an auto pay since is on the business name ( XXXX XXXX XXXX ) but under my name.

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 2020-11-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, My name is XXXX XXXX. I am contacting you today in regards to a few issues. One being that I made several attempts to close a " XXXX '' credit card, owned and operated by " Comenity Bank ''. During this time, I spoke with Customer Service in direct relation to the account, asking for a " audit '' of the account ; furthermore, it was requested that an investigation be started to determine the ownership of the debt. 
I granted permission to allow my Attorney to speak on my behalf and about the issues at hand. A " Debt Dispute '' was filled out and sent to the parties. 
To date, nothing has been sent to me as was requested as far as the information pertaining to the ( alleged ) debt. I myself know firsthand that the debt may be linked to my account, but i am not the person that used the credit card, running up a high bill. 
As I have currently been living in XXXX New York, in a township called XXXX, then moving 45mins away to a city called XXXX. I have not been in or around the State of Pennsylvania since XX/XX/2019. So the debt request investigation that was made, was for a good reason. The involved company 's have yet to work with and or accept a payment of {$25.00} dollars. I was told that the minimum payment due at the time of the conversation was well over {$150.00} dollars. 

It would be greatly appreciated if someone could look into the matters and get back to me to further discuss the matter in its entirety. 

Thank you in advance for your time, attention, and consideration into this matter. 

Very Truly Yours, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Totaled my car no fault of my own XX/XX/19 XXXX my insurance settled with XXXX XXXX before the end of the month. XX/XX/19 XXXX was paid off and XXXX out my balance. I also received a check for {$72.00} that was extra tax or something from settlement. XXXX dealt with other persons insurance. Then a month or so {$5900.00} is reported as a balance. My Dad had passed away and I was working during the week, driving 7 hours both ways every weekend till after 1st week in XXXX. It wasn't hurting anything just sitting there. I got another check for XXXX deductible. My cosigner on the loan called XXXX to see if it was supposed to go to them and ask about the amount on the account. They told her it was a error and would fix it. XXXX said I owed the XXXX plus another XXXX tire wear. This was into XXXX, they then " fixed it '' by charging off the {$5000.00} error after I paid the XXXX XX/XX/19. I had told them I needed to find out about any tire wear no one had said anything to me. I got some paperwork from XXXX but couldn't tell why I owed the XXXX but paid it XX/XX/19. I had disputed their error the charged off per an employee there saying I would have no trouble. All 3 CRA keep letting them backdate up to 5 months of late charges, and 3 charge offs for the same account. Every time I dispute they let XXXX retaliate derogatory remarks. It is very clear the errors and I sent statements from XXXX who also tried to help me get the money. You can look at the credit reports and see its not right without any proof even. I have been trying to buy a house, deal with dads death, and 100s of man hours into something simple. I sent proof that could not be disputable because of supporting back up. I demanded they make XXXX prove that the statement XXXX told them they owe me was not true. The CRA has not made them provide anything! Others have had the same exact kind of problem and it is crazy they are not made to provide anything. I have where they have accounts different records where they add memos and do special posts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

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. 

US DEPT OF EDUCATION XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 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 explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: VA
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 accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian in reference to accounts : Dept of Ed/XXXXt XXXX Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX Dept of Ed/XXXX   XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which Experian responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XX/XX/2019 listed as " OK '' but the following month XX/XX/2019 is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer report.

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 2017-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I would like a written authorized signature stating I authorized these inquiries if they can not provide the documentation I would like it 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