BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert that my credit report had a significant change. When i checked the alert, i noticed that it was because i had missed a payment in one of my accounts. When i checked the account i realized that it was an account i had never opened my self. The account was a paypal synchrony bank credit card with a limit of {$1000.00}. Whoever opened this account it had done using my personal information and used it and the card was past due because the balance had not been paid. 

I don't have statements or credit card number since i never got any of them. I only have the information reported in 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 non-monetary relief
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent the bureaus a letter asking them to look into some accounts on my reports that were not accurate, that were outdated, or that I did not believe belonged to me. Since then, I have sent follow-up letters every month to no avail. The bureaus have not responded to my requests for investigation and validation of debts, nor have they removed outdated or incorrect information. Follow-up letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. On XX/XX/XXXX I notified the bureaus of my intent to file a complaint with you, the CFPB. With all of these requests, I have yet to hear from either the bureaus, or any account in question to provide validation or ANY evidence that my disputes are being addressed

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 2017-08-10
Company: EQUIFAX, INC.
State: AL
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:
EQUIFAX, XXXX, AND XXXX ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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 XXXX XXXX is a company that has recently been placed on my report, the information is inaccurate I have never done business with or XXXX XXXX which is listed as the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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 XXXX XXXX is a company that has recently been placed on my report, the information is inaccurate I have never done business with or XXXX  XXXX  which is listed as the original creditor.

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 2020-02-04
Company: LEXISNEXIS
State: MO
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:
LexisNexis is reporting a public record that allegedly belongs to me. When I requested my file, I noticed the the reference number was tied to a social security number that was not mine. I asked LexisNexis to verify and they stated that they did. I then requested the method of verification and they sent records of what was in my file but not how it was verified. I sent a letter from the courts stating that LexisNexis had not verified any such public record with them nor started any motions to obtain such records. This public record remains in tact due to a third party verification and I'm not sure what exactly they looked at because when I used the same method they used to " verify '' my search yielded no results for my full name and the last 4 of my social. Providing LexisNexis with the PACER results and a letter from the courts was still not enough to correct the error on my file. The public record still remains, and my consumer rights to request information have been violated continuously by this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have ask Experian to update account info that should be listed on my credit report. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had filed a complaint back in XX/XX/2017. A response was received, but Forster & Garbus did not hold up to their deal. I had asked for written documents to the agreement of a {$13000.00} settlement. No communication was made. Months later my account was sent to XXXX Sherrif for collection without my being notified. My wages were garnished again without notification. I had reached out to Forster & Garbus by phone and e-mail demanding documents to support this as well as the agreement, and have  had no follow-up. 

I am looking to settle with {$11000.00} paid over 3 years which is taking into account the garnishment payments.

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 2020-11-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 Attorney, XXXX XXXX acting on my behalf wrote to the three credit reporting agencies to inform them that my credit report was inaccurate in that it stated that six credit accounts which were listed as being discharged in a Chapter XXXX bankruptcy were not in fact discharged as the bankruptcy was DISMISSED, not discharged and the accounts should not have been listed as discharged. The credit reporting agencies " investigated '' and continue to list the Dismissed bankruptcy case as discharging the six accounts. 
XXXX XXXX, a Virginia attorney is assisting me with this now.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-11-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Navy federal was notified that my credit card was used fraudulently. They closed the account and placed it on my credit report as unpaid debt. They refuse to submit a fraud claim. I want this debt removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: DISCOVER BANK
State: WV
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:
Discover Credit Card took an unauthorized XXXX dollars out of my bank account. I asked the to just take out XXXX dollars automatically. Instead and without my knowledge or approval they instead took out XXXX on XXXX.20. I contacted them twice and both times they could not read policy or give me policy explaining that they were legally able to take money without my authority. They reported that they would do nothing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: ARC Management Group, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On   XXXX   XXXX  , 2017 I went to the emergency room and before I left I told them I had  XXXX . I did n't receive anything in the mail I just seen it as a derogatory on credit report. Arc Management Group shows {$1200.00} only on my   XXXX   report. Arc Management Group does n't even answer the phone number when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has failed on multiple occasions to properly address and investigate/re-investigate errors on my report over numerous attempts sent to them. Specifically failing to respond to certified letters, failure to verify accuracy of account information, failure to correct unverified information.

As of XX/XX/XXXX the following bellow unverified/re investigate requests have not been made by Experian despite my 3rd attempt per my certified letter dated XX/XX/XXXX received by them on XX/XX/XXXX. In fact they sent me a letter in the mail I received yesterday XX/XX/XXXX stating they would not re investigate my disputes. 

Tracking Number : XXXX Your item was delivered at XXXX XXXX  on XX/XX/XXXX in XXXX, TX XXXX. 
Status Delivered XX/XX/XXXX at XXXX XXXX Delivered XXXX, TX XXXX XXXX  XXXX XXXX status updated XX/XX/XXXX never investigated XXXX XXXX status updated XX/XX/XXXX refused to re investigate XXXX XXXX XXXX status updated XX/XX/XXXX refused to reinvestigate XXXX XXXX XXXX status updated XX/XX/XXXX never investigated Inquires XXXX  XXXX XX/XX/XXXX refused to investigate /re investigate Santander XX/XX/XXXX refused to investigate /re investigate I have attached documentation. Additional information can be provided if needed.

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I am not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police 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 2018-03-02
Company: Resurgent Capital Services L.P.
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:
I began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my report, I am seeing several inquiries that I did not authorize and am unaware of. I have reached out to the companys directly, who told me to call a three bureaus ( which I did ) and have been going in a big circle with trying to get theses unauthorized inquiries off.

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 2020-11-02
Company: DISCOVER BANK
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 XXXX XXXX, continuo to report a fraudulent account in my report that is the result of Identity theft i have provided all documentation to XXXX and DISCOVER CREDIT CARD # XXXX of the illegality of this account, identity theft report from FEDERAL TRADE COMISSION, XXXX COUNTY SHERRIFF REPORT, IRS IDENTITY THEFT REPORT and continuo reporting this Ilegal account in my report I have requested the help the state attorney, FTC, and lastly your. 
The solution is to remover this fraudulent account from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 Attorney, XXXX XXXX acting on my behalf wrote to the three credit reporting agencies to inform them that my credit report was inaccurate in that it stated that six credit accounts which were listed as being discharged in a Chapter XXXX bankruptcy were not in fact discharged as the bankruptcy was DISMISSED, not discharged and the accounts should not have been listed as discharged. The credit reporting agencies " investigated '' and continue to list the Dismissed bankruptcy case as discharging the six accounts. 
XXXX XXXX, a Virginia attorney is assisting me with this now.

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 2020-05-22
Company: Santander Consumer USA 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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Fifth Third Bank has canceled and changed my account numerous times. I have been charged a {$11.00} maintenance fee on my account. I have lost thousands of points earned from credit card purchases that suddenly disappeared without any explanation. This has been going on for years and it's asinine. I have been with this bank since I was a child. My mother opened up my first savings account with this bank, at the same branch that I've used my entire life. There is no customer loyalty when I have been loyal to them for my entire life. I'm always having to worry if my money is safe FROM THE BANK when I shouldn't have to be worried at all, that's why I deposit my money there to feel that my money is secure. It's not. It's being slowly taken from me and there's nothing I can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXX several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report 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 2020-11-02
Company: MECHANICS BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are in the middle of purchasing a new home and need the mortgage statement of our current primary home. It all started a little over a month ago when I requested for my online password change request. I have been trying ever since to get them provide me access to my account. Each and every time every day that I have been calling them the bank keeps telling me I will be contacted with my account details and access. Till date they have not given me access to my own account and I have not even received my paper statements either. I have no clue as to what they are doing with my account. They keep on passing the bucket to another department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: JPMORGAN CHASE & CO.
State: NY
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 closed my account I disputed {$99.00} claim # XXXX card # ending in XXXX claim related to acct # in XXXX on XX/XX/2020. I received a letter saying Chase researched the transaction and agreed it was incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to exercise my right to question the validity of the debt your agency claims I owe, according to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer required to remove inaccurate derogatory information from a consumers file that can not be verified. I would like to see a complete list of all documents and correspondence in regards to the below accounts. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX  XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. Thank you for your prompt attention to this matter.

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