BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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. Also, I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. 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 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 2020-12-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to pull my credit with any reporting agencies. Ive updated my credit file and have the same information on all bureaus. There are no credit freezes or alerts on my credit. No one is able to pull my report the only report I have available is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Personal information incorrect

Complaint:
I have addresses that I no longer live at and that I never lived at being reported and I also have incorrect spelling of my name being reported.

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 2020-02-24
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have an AmEx platinum card. The reward program is supposed to earn 5x points for airfare. In the past, all tickets purchased through amex directly, the airline directly or a travel agent have accrued 5x points correctly. This month I purchased airfare from XXXX and even though the transaction was reversed when I canceled my trip, the points accrued at the correct 5x rate. However, the same itinerary purchased via a travel company called XXXX is only accruing points at 1x.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please remove them as soon as possible : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
I have an outstanding balance at XXXX XXXX. They reported me as delinquent to a credit bureau early last year but then removed it from my credit report. Removing the delinquent amount bumped up my credit score. IC systems ( I guess ) bought the delinquent credit from XXXX XXXX and reported it as " for collection '' on XX/XX/2019. I believe they are trying to " re-age '' this delinquent balance.

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 2020-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
Hello, I originally opened a case in XXXX of 2020 regarding a transaction that is not valid. The credit card company didn't open it until XXXX. They had given me a provisional cresit. They incorrectly closed my claim in XXXX stating that " I had requested to cancel the purchase '' which is not true, and upon further investigation they have reopened the case. Because of the fact it was closed, I am supposedly no longer eligible for a provisional credit ( even though I did not request to close it ) and I now have a pending balance due of the full amount of this charge as well as the interest associated with it. They are not being helpful at all.

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 2023-07-19
Company: EQUIFAX, INC.
State: AL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) .And also all the accounts that need to be removed on my credit report because they're clearly 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 non-monetary relief
Consumer complaint received 2018-10-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I make my credit card payment early every month, and half of the time they reject the payment and the other half they don't - using the same exact bank information. I pay tons of other bills the same way and none of them get rejected. The account has money in it and all information is accurate. 

I've called to ask them why they're rejecting my payment and they say they don't know and that it's my bank account 's issue. I've called the bank account ( XXXX ) and they said it is the credit card I believe they're " rejecting '' my payment so that I wind up late on my payment and therefore subject to late interest and other penalties, even though I pay early every month. They don't tell me the payment has been rejected until 2-3 weeks later after it's already late. 

The credit card company that I am writing to complain about is Synchrony Financial. They are also impossible to get on the phone and provide as little information as possible.

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 2018-05-17
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 fraud alerts or security freezes

Complaint:
I asked that my fraud alert be removed as it has prevented me from using my personal credit in both a personal and business transaction, yet to no avail.

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 2020-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On XX/XX/2020 I received an email from Capital One let me know that my credit card was getting renewed for the annual membership fee of {$95.00}. Given the situation with COVID-19, I am being very careful with my finances and did not want to use a service unless it is absolutely necessary. I immediately called to let them know I did not wish to pay the annual fee and would either cancel the card or downgrade to a non paying card. They offered me a non membership fee card and my understanding was the annual fee would thus be removed. I received the non membership fee card around XX/XX/2020 which clearly indicated it was a no fee card. On XX/XX/2020 I got an email saying that {$95.00} was due. I gave it a few days and checked my account online and still noticed the charge was still there. So on XX/XX/2020, I called Capital One. I spoke to the billing department and the dispute department and they both said there is no way to remove that fee. Even though I am not using that service and am not using that card, they do not have a way to remove the charge. I asked to speak with a supervisor and they repeated the same thing. I told them they can't charge me for a service I am not using and that I cancelled the moment the emailed me about the renewal. The supervisor refused to do anything. I asked this issue to be escalated to a higher individual, and he basically said there was nobody he could escalate it to and said that it was a final decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: Lending Club Corp
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I received an email from my bank, LendingClub, informing me that my account was locked pending further review. After calling customer service, I was told that the account was locked due to ACH transfers between accounts with different owners. Specifically, ACH transfers between my mom 's XXXX XXXX XXXX Account and my account at LendingClub.

In order to unlock my account, I was informed by LendingClub that I needed to add my mom 's name to my Lending Club account. I and my mother agreed. On XX/XX/2021, both my mother, and I received docusign emails which added my mom 's name to my LendingClub account. All documents were signed and returned to LendingClub on XX/XX/2021. 

On the same day the documents were signed, XX/XX/2021, I sent an email to LendingClub asking for a status. No response was received. I sent several follow up emails, but still no response was received. On XX/XX/2021, I called customer service to get a status update. I was told that my account was still under review. I was further told there was nothing more needed from me, and the matter would be elevated to " urgent ''. 

I subsequently called LendingClub every single weekday, including today, to get a status. Each time, I was told there is no new status, that the matter will be elevated to " urgent ', and that I would contacted shortly. To date, nobody has contacted me, which is why I continue to call daily. 

At this point, LendingClub has had my account locked for almost a month without any explanation. There is a relatively sizable sum deposited in my LendingClub account. Locking me out of my account as resulted in some serious financial consequences to me and my family. Unless this is resolved very quickly, my family may suffer irreparable damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit report was accessed with no autherization from me and the company will not delete the inquiry although i have not requested any forms of line of credit from them. I called customer service on XX/XX/XXXXand requested that the inquires be removed from my report and was told no and that the company was not obligated to provide any proof of credit line request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A collection account is being reported on my account despite efforts to verify this debt with both the company ( letter attached ) and the Consumer Financial Protection Bureau. 

As seen from attachments, I asked XXXX XXXX  XXXX to verify this debt per Fair Credit reporting rules and they never responded to me or CFPB. The item is not mine as I do not owe ( please check my credit report ). I carry no balances with lenders except my home. 

I am requesting that this item be removed immediately from my report or I will pursue legal action against the reporting bureau.

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 2019-09-12
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan number : XXXX Hello, I'm filing this complaint, against LoanCare, as I have been unable to move my request for a loan modification foreword in any manner whatsoever. 

My first attempt to resolve my foreclosure began in XXXX of 2019. I submitted all required documentation and nothing happened. LoanCare simply let that modification request lapse. 

My second attempt to resolve this matter with them began on XX/XX/XXXX and submitted ALL required documents, for review on XX/XX/XXXX. I WAS able to confirm that the documents were uploaded on XX/XX/XXXX, but they were unclear as to which documents were actually recieved/missing. 

Since then, I have not been able to get a straight answer from them on any question that I have, whatsoever. I have contacted them over a dozen times in the last 30 days - all to no avail. 

I need your assistance in getting them to formally engage me and conduct a thorough and legal review of my request for modification. My ex caused a very serious financial issue with me, which is my reason for falling behind in the first place. That issue has been resolved, I have more than enough income to support returning to making my payments and I'm simply trying to do the right thing. 

Please assist! 

Thank you so much..

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 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Early XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means I did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT

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 2020-12-16
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection company is called : AMSHER COLLECTION SERVICE. Its address is : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. The bill was a XXXX bill for {$280.00} and the collection was opened on XX/XX/2020. I did not notice it until I checked my credit report 2 weeks ago. I have never used XXXX in my life. I have disputed this with the company, but they claim the information is accurate. It is very frustrating!! 

Thank you for all your help! The CFPB is the best agency the US government has to offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Early XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means I did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT

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 2023-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm never late. The Bank  agreed to update these accounts due to a family tragedy. Please update these accounts ASAP. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. Please correct.

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