BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
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:
This inquiry was on XX/XX/2019 I have not used any web sites or business facilities that my SSI number was used. I reached out to this company on XX/XX/2019 and was told that XXXX XXXX would be the best way to handle this issue. I spoke with XXXX XXXX XXXX. ( employee number )

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 2021-09-03
Company: EQUIFAX, INC.
State: OR
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am having trouble removing a fraud alert that was put on XXXX. I called XXXX on XX/XX/2019 and spoke to " XXXX '' she stated that she was a supervisor. I requested the fraud alert to be removed. She stated that she was successful in removing the fraud alert. 
On XX/XX/2019 I received a notice from XXXX they stated " at my request they have added an extended alert to the credit report and that it would remain on my file for 7 seven years. 
I called XXXX XX/XX/19 and spoke with XXXX XXXX he stated that Euqifax told them to add the fraud alert again on XX/XX/2019. My file number for the removal for Transunion XX/XX/2019 is XXXX. I requested he send me a letter stating that it has been removed he refused. 
I called Equifax on XX/XX/2019 the confirmation number is XXXX. Received a letter from XXXX XX/XX/2019 that they added and extended fraud alert for 7 more years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Advantage Collection Professionals, Inc.
State: MN
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:
There have been many damages done from these companies to my consumer report and in pursuant to 15 USC 1692k Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector. Some of these collection accounts are medical bills and in pursuant to 15 USC 1681 ( a ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Iam contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : JPMCB- CARD SERVICE {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: GreenSky, LLC
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Starting XX/XX/XXXX 2 days after my payment is due Myself and spouse continue to receive 3 calls a day each Monday through friday. I also received 1 call on each Saturday since. My spouse explained we would pay as soon as he got paid in 2 weeks. They have continued to call myself and spouse 6 times each weekday since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: NY
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:
I faxed over the documents about this account the car is still reporting on my credit. I since then had XXXX XXXX XXXX. I cant keep going through this I want this car off my credit.I never had a XXXX. I have serious health problems. I am getting the run around. I really need this removed and its hurting me severally. Everytime I think about this my XXXX hurts. Please. They ignore me I can barely breathe less to deal with this. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX close XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted by Trans World Systems. They ask if I am XXXX XXXX and then I said Yes. They said they are calling for XXXX.I ask who they are and they tell me they can not talk to me unless I give them my birthdate, last 4 numbers of my social security number and my address. I only know XXXX XXXX as they were my XXXXYear old mothers pharmacy which she owes a small bill which has been disputed. I have not received any letters in writing and my mother is ill and uses my address. All her mail comes to me. I do not know for sure if this is a collection agency, if they have my mothers name. They are calling 3-4 times a day on the XXXX  number and XXXX. Trans World does not come up on the phone screen only XXXX Fl on the cell with a NY # XXXX  and on the landline-XXXX, fl,XXXX. As they do not say they are a collection agency, they could be scammers. I keep asking them to send me a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: SFS, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX, 2017 {$600.00}. I applied for a Payday Loan for {$600.00}. I did n't realize the interest rate until afterwards and saw how much I had to pay back. I called to get some clarification and was told my payments go to interest first then principal so I would be paying back a little of {$2000.00} just for the {$600.00} I borrowed. I asked how to avoid this and was told I could n't. I had an emergency when I borrowed the money but I live off of XXXX payments and ca n't afford these high interest payments. Nothing I pay back seems to go to the principal amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have contacted citi through the number XXXX four times regarding a {$1000.00} XXXX transfer from citi acct. I entered the right recipient 's email address and name for a transaction on XX/XX/XXXX. I received a confirmation email after the transfer. The confirmation email shows the right recipient 's email that begins with 'XXXX ', but the recipient 's name is not my friend 's name. At first I thought that's unauthorized. So I contacted the bank right away. On the second day after discussion with my friend, i believe it may be a system glitch. So I contacted the citi again on XX/XX/XXXX to get it confirmed. I asked citi representative during the call what email she saw on her end. She told me an email that began with 's '. This confirmed my guess that there was a system glitch involved. I told her I entered the email beginning with 'XXXX ' and my confirmation email could support my saying. so she added the notes for the investigation. However, the citi declined my dispute on XX/XX/XXXX without looking into the notes ( declined by reason 'transaction authorized by user ' ). So I contacted the citi the 3rd time on XX/XX/XXXX. The representative opened another dispute for me. I asked him how i could submit my evidence showing I put the right info. He told me they don't have a way to receive it but suggested I could try to go to citi branch to fax. I faxed my evidence on XX/XX/XXXX. Yesterday ( XX/XX/XXXX ), I received a mail from citi which declined my dispute again by the reason 'typo may be made by user '. As I have the proof showing that I didn't make the typo when entering the recipient 's email, I contacted the citi the 4th time today on XX/XX/XXXX. A lady took my call and through the conversation, she ignored me many times without replying me. She was even not clear or trying to get clear about what happened. When I asked her what we could do, she hang up my call. I never thought the citi bank could treat the clients like this. They don't care about the evidence, and even treat the client 's call rude. 
To summarize the above, I entered the right recipients email XXXX and I have the confirmation from citi to support this. However, the citi database shows the transaction was going to another email XXXX. Citi ignored my faxed evidence and passed the buck to me saying the user might make the typo which I didn't. To make the situation worse, Citis representative refused to communicate and hang up my call when I called in to dispute.

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 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User and I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-10-09
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I recently obtained a copy of my credit report from XXXX that indicated that a credit inquiry was made by your company Lowes on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I have contacte both XXXX and Lowes several times by phone, and certified mail. this issue was ignored

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 2017-07-12
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by : 1. XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON DATE : XX/XX/XXXX 2. XXXX XXXX -- Unauthorized Credit Inquiry ON DATE : XX/XX/XXXX, XX/XX/XXXX 3.XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX4. XXXX -- Unauthorized Credit Inquiry ON Date XX/XX/XXXXXX/XX/XXXX5. XXXX XXXX -- Unauthorized Credit Inquiry ON DateXX/XX/XXXX 6. XXXX XXXX XXXX -- Unauthorized Credit Inquiry ON DateXX/XX/XXXX I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.
<P/>
I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.
<P/>
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
<P/>
Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A notice was sent several times to Transunion, XXXX, XXXX. I humbly requested Transunion, XXXX, XXXX to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for Transunion, XXXX, XXXX to act as an agent and correct misleading information. 

This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. 

Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

I understand Transunion, XXXX, XXXX are not a bureaus nor is the agencies backed by any government agency. I am aware that Transunion, XXXX, XXXX are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, Transunion, XXXX, XXXX must comply with my written instructions. I have given Transunion, XXXX, XXXX written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. 

Transunion, XXXX, XXXX has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! 

- XXXX  XXXX  / XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX XXXX / Account # XXXX - XXXX XXXX XXXX  XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXXc / Account # 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 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I went to get a car loan at XXXX XXXX XXXX in XXXX XXXX, California. I authorize running ones my credit score and the result was that they did it bot with two companies and the credit score that I was taking care as a baby to increase the point, drop-down several points. I'm no agree with what they did. They suppose to check my credit just ones. 
Companies that they used to check my credit : Coaf XXXX XXXX XXXX XX/XX/2019 No idea the amount they were asking for. 
I will appreciate your help please, I want to take care of my credit as good as possible. 
Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: U.S. BANCORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
When I opened checking account withUS bank, bank without my knowledge or my agreement automatically opened line of credit. I did n't ask and did n't agree with that. Later when I had fraudulent transactions and my balance was negative they automatically transferred funds from line of credit. Now they closed my account without my knowledge and expect me to pay this line of credit. I do not have another checking account and did n't want it in a first place.

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