BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: SYNCHRONY FINANCIAL
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I agree to a debt collection with Synchrony Bank, my debt is getting very close towards wrapping up and and the agency is trying to use stall tactics to collect more money. 
They are using falsified information and lying to me about so-called money that I owe them. 
# XXXX XXXX XXXX XXXX XXXX Again I am getting very close to wrapping this thing up and the bank is trying to stall this to collect more money.

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 2023-03-08
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX 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 2023-09-28
Company: JPMORGAN CHASE & CO.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got scammed last year, where in a person claiming to be from XXXX XXXX ( XXXX ) paid my auto insurance with XXXX, and asked me to transfer a portion of the money ( {$140.00} ) to XXXX by XXXX. I did so from my Chase bank account on XX/XX/2022, but then the payment to XXXX was reversed. I immediately reached out to Chase but was told they couldn't do anything since it was XXXX and the recipient bank did not respond to their request. This communication is attached. 
I also lodged complaint XXXX with the XXXX XXXX Police Department and was directed to file one with the MO State AG XXXX XXXX ) as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2023-07-14
Company: Siggi LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I contacted Omni Loans which specializes in military lending because not many companies offer loans to Soldiers due to the Military Lending Act. I was told I couldn't apply for a loan because I was permanently ineligible to apply for a loan because I cost the company money back in XXXX of XXXX. Now under the Equal Credit Opportunity Act, I am to be offered a fair opportunity to apply for credit without being discriminated against. I feel that is happening here. Prior to XX/XX/XXXX, I was a loyal customer and I paid my bills back on time ; I had a good track record with the company but something bad happened to me and I had to file for a XXXX to mitigate future damages to my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: SC
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:
with this company. In additionally, I have sent in a copy of my police report to Equifax, XXXX, and XXXX. I have disputed these items with these companies over and over again. The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX- Fraudulent item : XXXX XXXX : Reported Balance {$3.00}, XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. 
XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. 

XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. 

The collection account XXXX XXXX : Reporting Balance $ XXXX- This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX. I was never treated by this company. The person it belongs to had insurance and it was billed. 

Please do you due diligent and removed these fraudulent items from my credit report. This is causing harm to your future in purchasing and getting a career I desire. I have sent in a police report and you still have these items on my report. Also, you guys have items which have been proven fraud by Equifax, XXXX, and XXXX listed on my report. 
Please remove incorrect personal informant Equifax : Name : XXXX XXXX. My name is only XXXX XXXX. 
I ASKED BEFORE TO REMOVE FRAUDLUENT INQUIRY WHICH ARE INQUIRY I DONT HAVE AN ACCOUNT WITH. THANKS ALL COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions 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:
Contact XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX This is not my account Have disputed and ask them to provide the information about my account and they have not {$420.00} Owner INDIVIDUAL credit grantor {$300.00} Account Type MONTHLY Term Duration {$420.00} Date Opened {$420.00} Date Reported Date of Last Payment Scheduled Payment Amount 15 Delinquency First Reported CLOSED Creditor Classification Charge Off Amount REVOLVING XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX UNKNOWN XX/XX/XXXX Credit Card XX/XX/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 explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a membership at XXXX XXXX XXXX XXXX XXXX XXXX that became unaffordable so I requested cancellation but received no response from the club. Around the same time i lost my debit card so I had to replace it and on XX/XX/XXXX  I received an email from First Credit Services , Inc, a debt collector, stating that I owed the gym {$1400.00}. I attempted to dispute the debt over the phone with XXXX XXXX XXXX and was denied. After filing this complaint I am considering contacting an attorney to review the clubs contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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: Information belongs to someone else

Complaint:
This Inquiries in not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2021-08-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There is an account listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent letters to Transunion, XXXX and XXXX stating that the items on the letter enclosed aren't mine and they are a product of Identity Theft I have sent them a police report as well. They aren't sending me any response letters and when I call they tell me they never received the letters nor the report so I have decided to file a complaint with CFPB and FTC because they are totally compromising my credit.

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 2019-11-05
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2021-11-02
Company: Experian Information Solutions Inc.
State: LA
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 sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX  XXXX  XX/XX/XXXX 2. XXXX  XXXX  XXXX  XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  XXXX  XXXX XX/XX/XXXX 5. XXXX  XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX  XX/XX/XXXX FOR {$68.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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: Problem with personal statement of dispute

Complaint:
I have a auto loan through XXXX XXXX that I decided to set up auto pay for. When I added auto pay I was charged twice for the month and thus was a month ahead on my payments. Upon discovering this, I reached out to the bank via telephone. I requested that auto pay simply be turned off for the upcoming month so that the extra payment would be applied and then turned back on the next month. The customer support representative said this wouldn't be a problem. However, the following month it wasn't turned back on and a late payment occurred on my account. When the bank brought this to my attention I immediately paid the late month and the current month. I made mention of my last phone call and they said they don't offer this service and I would be held responsible for the late payment. I have tried speaking with other representatives, managers, and other senior bankers and nobody has been able to help me. I have always been a responsible lessee with XXXX XXXX and all other lenders. I don't believe my credit score should reflect the error of an improperly trained employee of XXXX XXXX. Any assistance with this matter would be greatly appreciated.

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 2023-08-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$680.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary 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 PAYMENT HISTORY LEGEND Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$680.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reinvestigated my updated credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts listed below : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$23000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a house recently with PRIMELENDING A PLAINSCAPITAL COMPANY. During the disclosures, the loan agent ( XXXX XXXX ) asked me to sign another disclosure without clearly explaining the reason for it. I signed it and asked the agent on the phone why some charges were higher. He indicated that these charges will be adjusted in the final disclosure. He never indicated to me or disclosed to me that those charges were for a rate lock extension and will never be taken away. Finally, a couple of hours before the closing time on the closing date, he mentioned to me that he can not take those away because they were for the rate lock extension. 

Upon closing, I raised this issue with his boss ( XXXX XXXX ) to get a refund for the charges that I should have never paid. He pointed that I would have to provide written proof of XXXX XXXX agreeing to the rate lock extension charges being waived. I provided him what I could find at the moment. But was asked for more written evidence. He did not agree to provide me with a refund of the interest rate lock extension fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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