BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: GA
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:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiry and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiry and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiry and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-15
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 belongs to someone else

Complaint:
XXXX, XXXX, and Experian have all been notified of my identity theft report to the Federal Trade Commission. I have specifically notified them that accounts being reported on my credit report by : XXXX Bank XXXX XXXX Bank XXXX XXXX For fraudulently obtained credit cards need to be removed under the FCRA. They have wrongly claimed that they have " researched '' the issues. Their research has been negligent and they are causing me harm by continuing to report this false information.

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 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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/21, I applied for automotive loan through XXXX XXXX XXXX XXXX for {$5500.00} for used car. I clearly authorized for only 1 credit inquiry by the agency to pull my credit report, however on my TransUnion credit report, it shows 4 inquiries from unknown banks ( XXXX XXXX XXXX XXXX and XXXX XXXX ) while there should only be 1 from XXXX XXXX. All the other banks are unknown and are not providing me any loans or services, however they have ruined my credit report by putting hard inquiries without explicit authorization. I would like these companies to remove their inquiries because they never received explicit authorization from me. XXXX XXXX is misusing my authorization for 1 credit inquiry to put 5 credit inquires on my TransUnion and XXXX credit reports which is not right, I was clearly told of only 1 credit inquiry. 

Please have these companies stop misusing authorization for 1 credit inquiry to put 4 hard inquiries. This is complete misuse of authorization to steal from customers and misuse their information. 

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
See the attached documents.

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 2022-11-10
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't ask for verification but a validation containing the information listed in the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-03-16
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is an additional complaint adding to a previous complaint : COMPLAINT ID XXXX " After reviewing my year-end statement I noticed that PNC has charged me over four thousand dollars in overdraft fees .... '' On XXXX - Spoke to a representative in regards to my complaint. At this time PNC bank has not satisfactorily resolved the issue. Went as far as not acknowledging that my first attempt of requesting help ended up in their rep stating " They can not give a refund because one was given previously ''. At this point, it is not a refund but in fact, them returning money they unrightfully took from my account. I think sincerely believe they are making every attempt to dodge this complaint and respond back in such a way that drags on. It leaves consumers no option but to obtain legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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: Account information incorrect

Complaint:
fraudulent inquiries and inaccurate account information

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 2022-10-05
Company: SANTANDER HOLDINGS USA, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. 
I recently tried to dispute this to be taken off my credit because the address on my credit report arnt mine. SANTANDER CON- SUMER , USA has an account listed on my credit report with someone by the name of XXXX XXXX XXXX who I have no relations to, as the account being closed and having a total of {$13000.00}. This account says the address is in XXXXXXXX XXXX which dated back to 2018. Ive been living in XXXXXXXX XXXX for almost 10 years.This account is still hitting my credit just recently as of XX/XX/XXXX even though its stated as closed with someone elses name that isnt mine, someone elses address that isnt mine and the amount they owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When I contact Experian, it ask s for my date of birth and SSN. It then says it does not recognize my information. Yet my date of birth has not changed, and my SSN hav e not changed. You can not reach a person because they need your date of birth and SSN, which in my case they don't recognize.

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 2020-11-12
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know who this company is. They showed up on my XXXX and XXXX credit reports. I never had any account with XXXX XXXX. I never received any collection notices or phone calls. I will upload my address for them to send verification information and collection notices. Please see if the address is the correct one you have.

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 2023-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: CA
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-19
Company: Williams, Rush & Associates, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe the account is invalid. WILLIAMS RUSH & ASSOCIATION needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.WILLRUSH  ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-03-06
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:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-09-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a new savings account with SunTrust. On XX/XX/XXXX I recieved an email stating that checks had been ordered for the savings account and were being shipped to me. I did not request any checks because I have no desire to spend the money from the savings account. I then recieved a follow up email saying the checks had been shipped. 
When these checks never arrived at my home, I reached out to SunTrust, they transferred me to the check company, who then transferred me back to SunTrust and then SunTrust once again transferred me to the check company. Finally on my last transfer to SunTrust, I was able to speak to someone who would take the time to look into the situation. 
I was told that a stop was being put on the checks that have been lost somewhere in the world but that anything already in process or anything that happens digitally due to this error would not be covered. 
I was then told I would recieve an email confirming the stop payment for these checks and I still have not received this confirmation.

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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello. I was the counter at XXXX 's applying for an ln-store line of credit and was denied because of things being reported on my credit report I signed up for an online credit service and discovered Items on my credit that I have no Idea what they are. I'm not sure how my information got Into the hands of someone else, this fraud and I calle the police. Also now had contact with FTC. I'm now contacting you all. Please help me. These are the items that are not mine and I'd like them removed please. 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 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I have submitted a direct dispute with XXXX Experian XXXX XXXX providing proof of identity theft proof of address XXXX XXXX XXXX XXXX XXXXXXXX tx XXXX ( documentation attached ) I have submitted a ftc report as well each company have failed to protect my consumer rights and remove the fraudulent accounts and inquiries so as of XX/XX/XXXX XXXX my attorney and I have a civil lawsuit against below companies and I XXXX XXXX is seeking relief to remove all disputes information and prove me with monetary compensation for each cfpb violation XXXX  Fraudulent account ( XXXX XXXX XXXX ( XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNTS ( XXXX XXXXXXXX XXXX XXXX XXXX And all inquiries ( asap ) Experian fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the last two months when I pay Synchrony Bank which administers Care Credit, I have paid on the last day the bill is due. On this day when I pay online I am confronted with the fact that Synchrony which is located in Florida does not seem to understand that due to time zone differentials they are insisting that my payments are a day late when in fact it is still the due date where I am located and when I am paying ( from California ). 
They charge me ( {$29.00} ) late fees even though I have NOT been late as far as being within the period shown on the bill, but they are not honoring that and charging late fees as though I were living in their time zone. I have asked them TWICE to waive these fees and gotten no reply. I feel discriminated against for not living in their time zone. Please help me fix this and get back my illegally collected late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a business and I bank with Chase. My deposits in the total of XXXX was slowly being processed through the weekend. My account was in the positive before I went to bed and I awoke and it was in the negative. I was charged a cluster of 5 over draft fees because the banks system didn't catch it in time. However be mindful I was in the positive when I checked the account before I went to bed. I contacted the bank to get a courtesy refund, seeing that it was a harmless system error. As a business it would seem that there would be a courtesy so we can continue to do good business and be valued customers. However, we spoke to many bankers and managers and were told they could not override the system and are only able to reverse one fee. The rest of the fees is what keeps my balance negative currently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my disappointment regarding your recent claims concerning my accounts. I firmly reject these claims based on the fact that you lack substantial material evidence to support your assertions. As a result, I strongly urge you to promptly commence a comprehensive investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and hold the potential to cause severe harm to my creditworthiness. It is of utmost importance that we address this situation swiftly and accurately to prevent further repercussions. 

Furthermore, I want to emphasize my strong rejection of your decision to decline my identity theft claim. The authority to determine whether I have been a victim of identity theft does not reside with your organization but with established legal processes. Your authority or legal standing does not grant you the right to make such a determination on my behalf. 

If you persist in declining my position, I am prepared to take legal action by contacting my attorney to seek a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the law. 

XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation