BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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:
While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with 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 non-monetary relief
Consumer complaint received 2018-11-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have mulitiple hard inquiries I never authorized. I have disputed multiple times without them being deleted or updated. XXXX  is the only one that fixed because I was in their breach These inquiries I did not authorize or request XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This one is a duplicateXXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX duplicate already done in XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent documentation regarding unknown and inaccurate accounts I found on my credit report. It's over 30 days now but I haven't received any response. I was a victim of an XXXX  Data Breach. I demand to Deleted those accounts or I will file litigation.

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 2023-01-05
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting negative items to EXPERIAN, XXXX, XXXX also violated laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. Transunion is in violation of 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 report under the following circumstances and no other : (

1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

TransUnion doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and Transunion still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on 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
Consumer complaint received 2021-04-10
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage company is my lender for my home. They reached out to me in XXXX XXXXto offer a refinancing proposal. I accepted the option for a lower rate. I disclosed that I had a bankruptcy. They got back to me and shared that I was eligible for the refinancing. 
I contacted my bankruptcy attorney and got approval from the court on the refinancing and provided the documents to Freedom Mortgage. They called me on several occasions with statements that it was in process over the last XXXX months. They then stated that if it goes to end of XXXX I will be charged a fee. I am very concerned that this company does not have the appropriate staff providing accurate information. I dont know who to officially turn to. 
Account loan number 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 2022-11-11
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:
I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Inquiries being reported on my credit file that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony bank reduced the limit on my GAP Visa card from {$20000.00} to {$1000.00} without any notice. I never received any letter from them, I just realized upon randomly checking my credit report. I contacted them and asked my limit to be put back to {$20000.00} as it used to be. They only approved me for {$10000.00} even when my credit is excellent with very low utilization and excellent payment history. This is the way I get treated by Synchrony bank after being a customer for so many years. Nobody gave me an explanation.

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 2023-06-16
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C System account opened XXXX reported XXXX in the amount of {$1000.00}. 

I have never heard of this company. 
I believe these people are scammers. 
I have never signed a contract with these people. 

This is not my account.

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 2022-03-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This is the letter I sent to Paypal buyer credit including pictures of the discrepancies they did not even review my evidence before they looked at the sellers and ruled in her favor. A supervisor stated that they have a automation system that determines how it it ruled. The wig is not as I order nor des it do what it promises on the website.

Dear PayPal Buyer Credit, First, I ordered a custom silicone wig from XXXX. The promise was that this wig will create a suction on the head of bald individuals and essentially become a second skin. In other words, the wig would suction to the head without the need of adhesives. A major defect I noticed immediately was when I attempted to install the wig on my head the sides of the wigs kept lifting up from my scalp. ( Please see that I complained about this multiple time to XXXX ). When I initially addressed this issue with XXXX in a phone conversation she stated, yes this is a flaw with this type of wig. XXXX never informed me of this flaw and the wig not only doesnt stay down on the sides after attempting to install it multiple times the silicon only sticks to certain parts of my scalp. ( Please see what her company promises on her website ) And it says nothing addressing what she stated in her first phone conversation nor her second response in writing. 
Again, in XXXX second response in writing, she began making accusations that I did not measure correctly. Therefore, by this time I found it wise to get all correspondence with her in writing. And this accusation is not true I have XXXX XXXX and I have been wearing custom wigs for over 10 years now and I order at minimum three per year and I am skilled at taking my measurements, which has rarely changed over the years. ( Please see correspondence ). Please see website and cap that I picked. https : XXXX XXXX, I also sent a picture of the hair texture I wanted mimicked, and this was not correct also. The hair texture that I received is very kinky and nappy. I requested a hair texture that was similar to a XXXX womens hair after having a perm for a month or so. It is slightly course with a wavy textured look to it ( Please see sample pictures in comparison to what I actually received ). 
Lastly, the final invoice I received reflects that I requested baby hair around the perimeter and the wig does not have any baby hairs. 
In closing, I made several attempts to have these defects of the wig corrected and it obviously was not honored. As a matter a fact she began accusing me of not measuring correctly. Leaving me with no choice but to dispute this half of the charges from her.

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 2020-12-10
Company: FinCo Services Inc DBA Current
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2020 for XXXX to XXXX. XXXX was not authorized nor would release my payment. Had to file a dispute with current bank app. The issue was supposed to be resolved in 90 days however they just keep telling me there is no update. 

Also if you have direct deposit, pay for XXXX premium member and it is at least 500 a month you are supposed to get XXXX overdraft. I exceeded their requirements and they say I dont qualify for that and will not tell me why but their terms state all you need is the above I listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRUIST FINANCIAL CORPORATION
State: WA
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:
An inquiry appears on my credit reports that I did not authorize. I attempted to contact the company and have not heard back, and the inquiry remains.

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 2021-07-12
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent AWA collections numerous attempts by certified mail to validate the debt they claim I owe them in the amount of one $ {$63.00} and they added another collection on my credit report in the amount of {$120.00} but no response back. No one from this agency has contacted me back, either by mail, via email, or phone call in response to my letters. I asked for validation but again, no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: CITIBANK, N.A.
State: OH
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:
Since opening my account with Citi Bank, every single payment that has been made has been held, for no reason, for anywhere from 1-3 weeks without being credited. I have never had a single missed payment, bounced payment or other issue that would cause this. Furthermore, I have paid my account on time every single month and paid much more than the minimum payment regularly. When I have spoken to Citi about  this, they have told me that they have no idea why this is happeneing. Every time I escalate the matter to a " supervisor '', they promise to " investigate '' the matter and reach back out but that never happens and the issue never gets resolved. Right now, I have a payment that I made for {$250.00} on XXXX/XXXX/XXXX. This payment came out of my checking account as PENDING on XXXX/XXXX/XXXX and POSTED to the checking account XXXX/XXXX/XXXX. My payment has not reflected in my available credit as of XXXX/XXXX/XXXX. Upon reaching out to Citi, they again informed me that it is ON HOLD until XXXX/XXXX/XXXX with no reason or justification why. 

I want this matter resolved and I want all future payments to my account credited in a timely manner. I have numerous credit cards with numerous other companies and every single one credits the payment ( generally ) to my available credit within 48 business hours. Citi should be doing the same.

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 2021-08-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XXXX, I notice my Chase XXXX Visa prepaid debt card was removed from my Chase bank account. So I made the call to speak the agent. I was told the account got closed at end of XXXX since Chase is no longer provide the product and the card has no activities in past 60 days. I applied this prepaid card in late XXXX and transferred the money from Chase checking account to this prepaid account. I didn't receive any notice about the account closure or related memo an reminder. This card has been linked to my Chase Checking account on line. If I were notified about the reminder, I would transfer the money easily and quickly to prepaid account. Also, I have a Chase Investment account linked together which has no activities for more than year. That account is still open without getting close. So it does not make sense the account has no activities in past 60 days and got closed without informing the customer since there is also an active account has no activities in past year but no closed. I had the agent escalated my issue to the different team and my call got hung up after I provided all information. Besides I didn't see any terms of account closure requirement while I open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
i am trying to get a house and all three credit agencies are report three different things. I initially on dispute on agency now I would likke XXXX to show the same information as the other three as all should be the same.

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 2023-07-31
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:
Transunion is erroneously reporting a fraudulent inquiry on my credit report. The inquiry shows as XXXX XXXX XXXX, and after several attempts to resolve this issue via phone conversations, disputes, and documentation being sent. The account still appears active as of XX/XX/XXXX. The account has been reporting since XX/XX/XXXX and having been done as identity theft, I would expect Transunion to safeguard my personal security but has failed tremendously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I received my Barclay 's Arrival + credit card. I activated it on the same day. I was never notified about the acceptance of the card and so I never knew when was the card accepted. The terms and conditions on the account say that 90 days from account start I need to make payments of {$5000.00} to receive 70000 bonus miles. However, I come to know now that my account started to XX/XX/XXXX ( and I received my card on XX/XX/XXXX ) and so the 90 days complete one XX/XX/XXXX. The start date of the account is shown nowhere, nor in the application, nor on the website in my account. The company guys are verbally telling me that my account opened onXX/XX/XXXX but have no proof of that. when I call they simply are not ready to listen.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked the reporting companies to remove all addresses that do not belong to me. I provided my right address.

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