BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-25
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2020 I submitted a validation request with XXXX XXXX XXXX. I received to response to my request. I also disputed with experian and it remains on my credit report as verified. However no one have provide me with any details or acknowledge to an unknown inquiry on 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 2020-11-24
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I contacted Chime support on XX/XX/2020 after a random transfer from my account to some random persons account cleared my entire account out. I was told to fill out the dispute form and return. Now Im unable to contact them. Ive called several times today only to get hung up on repeatedly when asking for my money to be refunded back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Transunion : Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/2020 I have never been to or contacted 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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts nor have I lived at any of these addresses. Additionally, I haven't authorized any of these companies to pull my credit. Please kindly remove them.

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 2020-10-25
Company: Experian Information Solutions Inc.
State: NE
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:
XXXX  : Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/2020 I have never been to or contacted 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 2020-08-31
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-31
Company: EQUIFAX, INC.
State: MA
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:
Spoke to XXXX  XXXX in reference to my account ... ..the account status is listed as derogatory with all 3 credit bureaus. Agent states that it's up to the credit bureau to change the rating. I am requesting that the account status be changed from derogatory to paid. As XXXX  XXXX Agent advised me to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
While checking my Transunion credit report I noticed a name that differs from mine and addresses of states and places I've never lived. For instance there are reports of me living at two different addresses in California.  I've lived my whole life (almost 60 years ) in Virginia. Please advise me on how to correct these mistakes.  Thank 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 explanation
Consumer complaint received 2019-08-18
Company: JPMORGAN CHASE & CO.
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:
I traded in a lease for a new lease with XXXX XXXX   FL.  They paid off the balance of the lease in the trade in.  Chase financed it in XX/XX/2019 . Chase financed the old lease and the new.  The trade in balance $XXXX that was absorbed by XXXX  and paid off. We have a XXXX balance due but yet chase still has it on my credit till today. we have taken all measures to clear this up including a letter from chase and XXXX stating there is no balace due. With over 30 calls to both institutions and sending the letters to credit agency they responded that Chase is responsible for the reporting.  This is negatively effecting my credit rating and must be cleared immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: GSA Commercial Asset Management
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
FEDERAL BUILDING no allow me contact FEDERAL court and FEDERAL JUDGE CAN I REQUEST TREASURY OF US, FTC, FCC, GSA and to solve compensation for me {$1.00} XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-10-25
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I received a letter back from Experian stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and Experian. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX ( XXXX  ), XXXX. has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion displaying inaccurate employer on credit report. I do not work for XXXX XXXX. Which I have told them before I work for XXXX  and sent them info.

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 2020-09-10
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received the required 30 day dubbing letter about this account. It just appeared on my credit and I didnt have a chance to challenge it. I dont know what this is. 

This is a violation and most likely illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Capital One business customer for many years and have always made my credit card payments and never not paid my bill. Several weeks ago, when I tried to use my card, my charge was denied. I call on XX/XX/XXXX and found out that the card had been closed by Capital One because there had been a change in my business ( EIN ; our company recent changed from sole proprietor to corporation ). Capital One felt it was appropriate to change the credit card number. I am sure there are many legal and administrative reasons for this. 

During my XX/XX/2021 conversation I spoke with XXXX, # XXXX, who stated Capital One had sent me information about this. All I have ever received from them are " junk '' emails. I have not received a letter, much less a courtesy phone call, to let me know of the change. He did tell me that the new card has an {$11.00} credit for overpayment on the previous account. Yet they won't transfer my accumulated rewards. On the date they closed the account I had earned {$570.00}. I can understand our not want to transfer the funds to the new card. But does that mean I am not entitled to the money I earned and that can easily be sent to me via check? 

I would very much appreciate your assistance in helping this resolved so I can get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XX/XX/2022 hard inquiry this account was opened fraudulently this not my account please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/2021 us small business administration this account was opened fraudulently this not my account please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: National Credit Adjusters, LLC
State: TX
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:
A third party collection agency, National Credit Adjust ( NCA ), has illegally reaged an account on my credit report with all three bureaus. I sent a dispute letter to the bureaus and to the collection agency stating that NCA reaged my account to make it appear that I opened the account on XX/XX/XXXX. The original date on the account was XX/XX/XXXX. Please help! Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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:
XXXX  is reporting an account on my credit report that is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: NJ
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 received and investigation result on XX/XX/2020 in regards to XXXX XXXX for a Collection account. {$460.00} past due as of XXXX 2020. There are 3 issues with this account. 
1. XXXX apparently sold the alleged debt to a collection agency. So Experian is showing both accounts XXXX XXXX and also the Collection Agency. My understanding is that according to fair credit reporting practices XXXX should not continue to actively report a balance owed. That's double the damage and not permitted. The name of the collection agency on the Experian file is XXXX XXXX XXXX  
2. The amounts reported by XXXX vary per collection and Credit Reporting Agency. For instance the amounts reported to XXXX  were different than the amounts reported to Experian. XXXX  completed its investigation and concluded that both accounts should be removed from the Credit report and they have been removed. 
Experian investigation concluded that the debts were accurate however when I called XXXX and the Collection Agency they were unable to provide any documentation. I asked for a final bill, any kind of bill to confirm the debt and both XXXX and XXXX XXXX XXXX were unable to provide documentation. XXXX was unable to find the account on their system. They found an account that did not have a past due amount and was unable to verify a second unknown account. I'm not sure what kind of investigation took place but the difference in amounts, the fact that XXXX  removed the account and XXXX 's inability to provide a final bill on the account makes Experian 's investigation questionable. I communicated we were willing to pay, we just need everything documented and a final bill, both, XXXX and the Collection Agency refused to provide any kind of documentation. 
3. I was never properly notify of a debt by neither one of these companies.

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 2023-04-13
Company: SYNCHRONY FINANCIAL
State: PA
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:
As a victim to identity theft attached paperwork that was effected by my primary physicians office and victim of XXXX XXXX  identity theft after proven these paperwork stoll have these inquiries from all these seven companies stated above and need this based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb paypal bank XXXX Syncb jcpenny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: Real Time Group, Inc.
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX a company Realtime Resolutions contacted new and stated that they would be able to sell my home back since they had foreclosed due to me defaulting on my second back in XXXX  when the economy crashed. Its been two weeks and Im now getting the run around, the evicted ne and my children. They said if I paid them XXXX dollars they would be able to transfer the title back to me. I just needed to show proof of the funds which I told him I did, try to send the proof and now the email came back undeliverable. I feel as though they just want to gain time and not come true in what they told me, unfortunately Ive not been able to have them put anything on paper, what can I do? Its my children s livelihood. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX  about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! 

I want this off my credit asap!

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 2018-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018 I received a mobile call from a company called XXXX XXXX XXXX XXXX, of whom shared via recorded line that because of my on time payments, but high interest has not been reduced, they are calling to help me reduce my credit cards to little as 6.9 to 7.4 %. I thought it sounds great. XXXX XXXX XXXX ask of debt amount total on all cards, ask for my bank info to make them payments of {$790.00} broken up in 4 payments of {$150.00} each. XXXX XXXX XXXX XXXX said that Capital One will lower my interest to 7.4 % but you have to say you are in distress. I said will I am not I am buying a home and if this will cause a credit pull I can't go through with it or it can deny my loan. I was told that it is fine. So XXXX XXXX XXXX  called Capital One ( XXXX  ) XXXX and XXXX XXXX XXXX  told me what to say and told me what Capital One would say. So I did not really being clear of what is going on. Capital One did exactly what XXXX XXXX XXXX XXXX said. I hung the phone up called my load officer told them what happened and they advised me not to do that or will deny my loan because that means that I am in distress and can't pay bills. Now I have never missed a payment accept for a day late for forgetting the due date. I told ask capital one if they can cancel that agreement of which I never signed for. Everything was verbal with capital one except email with XXXX XXXX XXXX. I told Capital One I am not in distress I am just making minimum payments at this time for a while because I am saving for my closing afterwards I will pay them off. Capital One denied my request the same day made after I called and spoke with up to 4 managers begging them to cancel that and I was willing to continue what I had. Capital One says to me well it looks like you are in distress because of low funds in account and minimum payments made. I begged them that I did not fulling understand what I was agreeing to I apologize, please allow me to continue my relationship. I do not want to lose my marriage over this nor the home that is in the process of being built for my family. Please, please, please..in tears ... They said I am sorry, but told me that I can not cancel it and I can continue to make my payments on time until it paid in full without interest for 60 months then the account will close and I can not reapply. I said I am begging you to cancel that agreement. They would not. I am reaching out for some help and consideration for my mistake, I want to keep my account with capital one. Or at least not mark my account as denied for distress.

Company response to consumer: Closed with explanation